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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?

avatar
Shannon Martin · Updated on
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
Jerry
 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
Homeowners InsuranceNew HampshireAuto and Home Insurance
View full answer 
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