Bought a Pioneer a few months ago. Financed about half of it through my credit union. I got a letter today telling me that I need to provide a copy of my ins policy on this.

Ive never heard of someone having ins on their utv.

Should I try to have this covered by my homeowners? Im lost on what to do.

Is there a lender in TX that doesnt require this? I will switch quick. I knew I should have went through Honda Financing.

I used honda finance on mine and no insurance has been required

I always carry Full Coverage with Full Replacement and never finance mine...
Just a inexpensive peace of mind...

I use Geico but several options out there...

Good Luck

I have all my insurance through Farm Bureau. I called my ageant a couple of days ago and he said Progressive was the cheapest and best for a UTV..

I got my pioneer insured through Cody Ballew here on the forum. He is with Texas Farm Bureau. Cost me $190 for 1 year. That was full replacement including the winch I have on it. IMO worth every penny considering how things are now a days with thieves and what not.

as many utv's as i've seen flying down
various interstates poorly secured on
trailers with bull sheet wally world and
harbor freight cheep sheet tie downs and
no safety chain, i'd think more utv owners
would want some insurance of some kind.
myself, i'd hate to owe a couple of years
worth of payments on a pile of twisted
metal i couldn't use for anything.

that, and if i was napping in my trailer
and drunk cousin bubba hopped in my new
utv and put it upside down in a gully,
i'd be happy i had it insured

Progressive is what I have on my Rhino.

Forgive my stupidity but does homeowners cover them? I have an ATV line item on my home owners coverage.

I did hit up Cody too via PM.

I have mine added to my farm and ranch policy. You can get a standalone utv/ATV policy but it's much more expensive that way. If you have an ATV line on your homowners it is likely just a liability policy in case someone is injured on an ATV etc while on your property and won't pay for damages. I would check into it.

Just frustrated at this point. I understand that the bank wants to protext their lien however Ive never heard of this. Had I know this, I wouldnt have financed through them to save my .09% over Honda's finance. In fact, Im pissed off. I bought this machine on a budget.

Any lien holders who dont require ins? Can i refinance through Honda?

At this point, Im ready to call my bank and tell them to kiss it and refinance it and my truck through a different institution bc of this.

I pm'd Cody. Hopefully he comes through. I will do $190 a year

Amigo...I think you will be hard pressed to find any Financial Institution that holds any value or title that will not require Full Coverage insurance...But I could be totally wrong.

All of the Liability is on them..

Good Luck to you and I hope you find resolve..
I am sure if you do not provide that they will add the cost to the note at a premium cost.
Maybe a Lender or Insurance Agent could explain with more detail or clarification.

Wonderful Gentleman and have met him and never heard anything but great things about Cody's Service

I pm'd the wrong Cody. What is his screen name?

Progressive all the way. Motorized vehicles are excluded from homeowners.

Progressive, I would suggest researching their corporation. Without getting political, they are against everything I stand for, and their business practices are highly questionable. Cheaper for a reason.

And don't expect Progressive to pay if something happens. I'd take Fred Loya over Progressive.

I certainly agree. However in the insurance world they are a necessary evil. With the OP seeming to be on a tight budget i am sure he isnt concerned with the political views.

Also they are good at insuring toys and auto with bad driving records. Claims experience out of our office has been good.

I don't have any. I was told that my umbrella policy covered my liability. I don't understand what type of accident damage could result in a claim for repairs.

We've got full coverage on our 14 Artic Cat. Annual premium is $108.00

I emailed him the link to this thread.

anything financed these days will usually require insurance

be carefull doing homeowners unless you always have the vehicle on the property. You could be out of luck if its stolen or damaged off the property... just depends on who its through

I never got a PM sir, I'll sure see what I can do to help...

The HomeOwners thing will "Usually" work if it's at your home when stolen/burnt/etc. if it's on a trailer or away from your address then it wouldn't help. As expensive as these have gotten I'd want them covered correctly... UTVs are probably known for theift more than anything!

These machines are done off there Value, so $15k worth of insurance is more than a $10k etc.

Look forward to talking with you!

Cody

i use travlers. 180 a year for full replacement