In most cases, typical home insurance and auto insurance coverage won't protect any variety of recreational or specialized vehicles. If you use your vehicle on your property, normal auto or home insurance might provide limited coverage, but you need to review the policy or call your agent for details.
Many people don’t use their ATV on personal property, anyway. Plus, more and more public facilities are now mandating that riders and drivers carry appropriate insurance. If you own one of these vehicles, you owe it to yourself and to others to carry comprehensive coverage from Harry Grizzle Insurance.