| Not all insurance companies cover your motorized | | | | insurance but it might just be one that you really |
| vehicles (ATV, 4-Wheeler's, Snowmobile, and even | | | | need!! |
| your lawn mower in some cases) under you | | | | So lets go through the exclusion. Any engine or |
| homeowners policy. If you read your policy most | | | | motor propelled vehicle or machine, ( this means if it |
| likely you will see an exclusion for this exact thing. | | | | has it's own engine/motor and can move around by |
| Here is an example from my own homeowners | | | | itself. This is where your Golf Carts, ATV's like |
| policy: | | | | 4-wheelers, Mule's, Ranger's, your snow mobiles and |
| Property Not Covered. We do not cover:any engine | | | | even lawn mowers fit in) including the parts, (this |
| or motor propelled vehicle or machine, including the | | | | means even the parts of such things as listed |
| parts, designed for movement on land. We do cover | | | | above), designed for movement on land, (this means |
| those not licensed for use on public highways which | | | | if it moves around on land). Now the second part |
| are: | | | | they are actually giving you some coverage back. |
| (1) used solely to service the insured location; or | | | | We do cover those not licensed for use on public |
| (2) designed for assisting the handicapped; | | | | highways which are: |
| You can get it covered however by purchasing either | | | | (1) used solely to service the insured location; or (this |
| a endorsement to your current homeowners policy | | | | means you only use it on your own property where |
| or by purchasing a separate policy to cover it. At the | | | | your home is. If you have a 4-wheeler that your kid |
| Insurance company I worked at they required you to | | | | uses just on your land, that's different. The |
| purchase an additional policy. If you have a ATV and | | | | Keywords here are Solely to service. This means you |
| it is stolen from your property and you do not have | | | | use it for upkeep of your property. This is where |
| an endorsement or separate policy you will get a big | | | | most lawn mowers would fit in and be covered. |
| fat $0 from your insurance company. I dealt with | | | | However if you take that lawn mower down the |
| several upset customers in my 3 years of working in | | | | street to mow your mom's house because she is too |
| the insurance industry when they discovered that | | | | old to do it, it's no longer covered. You took it off |
| their stolen 4-wheeler would not be replaced. | | | | the Insured Location, and they do not have to cover |
| Most insurance companies offer annual "reviews" or | | | | the item.) |
| "Check-ups". It is a good idea to participate in those | | | | (2) designed for assisting the handicapped. (this one is |
| such reviews. If you recently purchased an ATV and | | | | kinda self explanatory. If you have a motorized |
| you do not inform your Insurance company or read | | | | scooter etc, that you use to get around and your |
| the booklet 20 years ago when you originally insured | | | | legally handicapped and it happened to be stolen, |
| your home with them, your probably not going to | | | | they would typically cover the item.) |
| know you have a coverage issue. It's a good thing to | | | | I hope this helps.. If you have any other questions |
| participate in an annual review. Yes, they are | | | | regarding this issue please leave a comment and I'll |
| probably going to try and sell you another form of | | | | do my best to answer it for you. |