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Will my homeowner's policy cover my ATV?

Since ATV insurance in New Hampshire isn't required, will my homeowner's policy provide coverage for the ATV? What if it gets stolen or burned down in the garage?

Shannon Martin · Updated on Oct 6, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“

Homeowner’s insurance

specifically excludes all types of motor vehicles from the policy. The only exceptions are some golf carts and motorized scooters or wheelchairs that are used as medical devices.

Because you are concerned about theft or loss due to fire, you should look into

comprehensive coverage

. Comprehensive insurance provides coverage for perils like:

Fire

Theft

Vandalism

Flood

Earthquake

While comprehensive is not a stand-alone coverage, you can purchase an ATV policy with just

liability coverage

and comprehensive coverage. By not including collision coverage, it will help keep the cost of the policy incredibly low.

Whatever coverage you choose, make sure to shop around to get the best rate. Use the

app to compare rates from from the top providers in just minutes.

Happy four-wheeling!”

MORE:

Pros and cons of bundling home and auto insurance

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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