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#5547453 - 01/16/15 06:06 PM Why insure an ATV/UTV
bill oxner Offline
THF Celebrity

Registered: 11/03/09
Posts: 32624
Loc: Richmond
An agent told me that my first gator was covered by my homeowners policy as long as I was with it. Has it changed?
_________________________
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill




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#5547593 - 01/16/15 07:29 PM Re: Why insure an ATV/UTV [Re: bill oxner]
easton1025 Offline
Veteran Tracker

Registered: 09/02/04
Posts: 2605
Loc: carrollton texas
buddy got grass hung underneath on his Polaris ranger month ago and it caught fire.burned to the ground...Homeowners policy covered it even thought it was not at his house when it happened...

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#5547767 - 01/16/15 09:17 PM Re: Why insure an ATV/UTV [Re: bill oxner]
BA223 Offline
Pro Tracker

Registered: 01/10/11
Posts: 1644
Loc: Celina/Weston, TX
Been thinking about heading to Colorado and riding the Alpine Loop in a few months. From what I can tell, Colorado requires a permit for my Ranger, and proof of insurance on it, to get that permit. That's the only reason I'd get it. My agent says it's really cheap.

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#5547866 - 01/16/15 10:44 PM Re: Why insure an ATV/UTV [Re: bill oxner]
MELackey Offline
Pro Tracker

Registered: 09/28/09
Posts: 1472
Theft. They don't usually steal then while you're sitting on them. Some guys leave them at the lease or on the trailer while away from the truck. We own the land, so all of them stay at the ranch all the time. Really cheap to insure, so no reason not to.
_________________________




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#5548510 - 01/17/15 02:31 PM Re: Why insure an ATV/UTV [Re: bill oxner]
jetdad Offline
Tracker

Registered: 03/02/13
Posts: 930
Loc: Grayson county
If you go to a public range and use it for sporting clays, etc., I've heard some require you to prove you have liability ins.

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#5548584 - 01/17/15 03:55 PM Re: Why insure an ATV/UTV [Re: bill oxner]
westexhunt Offline
Tracker

Registered: 11/05/12
Posts: 862
Loc: San Angelo
Full coverage on my crew was almost $400/yr on a stand alone policy. I didn't insure it after the first year. I am going to shop around before I haul it again. Theft is my main concern.


Edited by westexhunt (01/17/15 04:13 PM)

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#5548605 - 01/17/15 04:09 PM Re: Why insure an ATV/UTV [Re: bill oxner]
bill oxner Offline
THF Celebrity

Registered: 11/03/09
Posts: 32624
Loc: Richmond
Full coverage on my pickup is only $700 per year. It covers my gator while hauling it.
_________________________
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill




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#5548639 - 01/17/15 04:31 PM Re: Why insure an ATV/UTV [Re: bill oxner]
daniel1381 Online   content
Extreme Tracker

Registered: 03/07/12
Posts: 3501
Loc: longview texas
At farmers i pay like 13 a mth for my 2013 rhino and trailer..well worth it cuz my trailer was stolen
_________________________
"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin


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#5548642 - 01/17/15 04:32 PM Re: Why insure an ATV/UTV [Re: bill oxner]
daniel1381 Online   content
Extreme Tracker

Registered: 03/07/12
Posts: 3501
Loc: longview texas
...


Edited by daniel1381 (01/17/15 04:32 PM)
_________________________
"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin


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#5548648 - 01/17/15 04:36 PM Re: Why insure an ATV/UTV [Re: daniel1381]
Huntmaster Offline
Pro Tracker

Registered: 05/02/05
Posts: 1195
Off premises; you have a problem.

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#5548740 - 01/17/15 06:04 PM Re: Why insure an ATV/UTV [Re: bill oxner]
jetdad Offline
Tracker

Registered: 03/02/13
Posts: 930
Loc: Grayson county
I got off premises and liability for about $150/yr on my mule. My agent does not over-sell products. She told me my homeowners will not cover it off premise.

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#5548966 - 01/17/15 08:11 PM Re: Why insure an ATV/UTV [Re: bill oxner]
daniel1381 Online   content
Extreme Tracker

Registered: 03/07/12
Posts: 3501
Loc: longview texas
Plus my deductible for a atv policy is 200 for my house is 1600.00
_________________________
"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin


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#5550964 - 01/18/15 09:52 PM Re: Why insure an ATV/UTV [Re: bill oxner]
MELackey Offline
Pro Tracker

Registered: 09/28/09
Posts: 1472
Originally Posted By: bill oxner
Full coverage on my pickup is only $700 per year. It covers my gator while hauling it.


Get that in writing from your agent. I've been in the insurance business for almost 20 years and have never seen an auto policy that covered physical damage to another motorized vehicle (or trailer for that matter) that is being towed or hauled. Liability for towed trailers, yes, but physical damage, no.

I'm not claiming to have seen every policy written, and you could very well be correct, but I've never seen it.
_________________________




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#5555196 - 01/21/15 07:04 AM Re: Why insure an ATV/UTV [Re: bill oxner]
Jasb Offline
THF Celebrity

Registered: 10/30/08
Posts: 17285
Loc: Tx
$125 yr on my crew...for that price why not?

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#5555372 - 01/21/15 08:42 AM Re: Why insure an ATV/UTV [Re: Jasb]
tlk Offline
Pro Tracker

Registered: 07/25/13
Posts: 1982
hit a pothole at deer lease and wiped out my front end - over couple grand to fix - sure glad I had insurance
_________________________
You can't fix stupid

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