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Cheapest insurance coverage for utv
#6446470
09/10/16 05:27 PM
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Joined: Jul 2007
Posts: 35,129
Brother in-law
OP
THF Celebrity
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OP
THF Celebrity
Joined: Jul 2007
Posts: 35,129 |
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6446536
09/10/16 06:18 PM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
What are you needing the insurance for?
Ours isn't insured because if it's on a trailer it's covered by vehicle insurance, and if it's in the garage it's covered under house insurance. We have insurance for injury and if we injure ourselves or anybody else then we are covered.
You can find insurance through Progressive, I think it runs around $90 a year for vehicle only coverage and $200 a year for accident & injury.
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6446802
09/10/16 11:00 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
I don't have any. Never would have used it in 16 years.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6446808
09/10/16 11:08 PM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
Bill, I wouldn't think you would need it at lawn tractor speeds
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6446914
09/11/16 12:55 AM
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Joined: Nov 2014
Posts: 7,789
Mr. T.
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2014
Posts: 7,789 |
Try Kathy McGarry at Germania. She has my tractor and Mule insured. The Mule includes off premises since it stays on the lease. Her number is 940-437-2378. Tell her I sent you. She is very nice and always helpful. She was recommended to me by jetdad and now I am recommending her.
Cabin rental in Pagosa Springs, Co. Sleeps 10, If interested please PM me.
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6446979
09/11/16 01:29 AM
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Joined: Mar 2013
Posts: 5,039
jetdad
THF Trophy Hunter
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THF Trophy Hunter
Joined: Mar 2013
Posts: 5,039 |
Kathy's great to deal with.
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6447331
09/11/16 02:38 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
What do you want to cover?
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: Cheapest insurance coverage for utv
[Re: bill oxner]
#6447391
09/11/16 03:25 PM
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Joined: Jul 2007
Posts: 35,129
Brother in-law
OP
THF Celebrity
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OP
THF Celebrity
Joined: Jul 2007
Posts: 35,129 |
What do you want to cover? A UTV Bill I haven't bought anything yet. Unfortunately I'm not a retired high roller and will have to finance some of it and am trying to figure out what I will be in for a month.
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6448446
09/12/16 12:38 PM
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Joined: Feb 2015
Posts: 5,585
hetman
"Trash Master"
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"Trash Master"
Joined: Feb 2015
Posts: 5,585 |
when I bought my can Am last year I had them add it to my Allstate Insurance & anyone who rides or drives it is insured /theft/fire/basically full coverage $500. as it is at the lease year round I would at least get theft and personal liability if anyone else drives it.
"Lesser mortals are pitied for the misfortune in not being born Texan."
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Re: Cheapest insurance coverage for utv
[Re: BigPig]
#6449668
09/13/16 02:24 AM
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Joined: Jan 2008
Posts: 5,574
Leonardo
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jan 2008
Posts: 5,574 |
What are you needing the insurance for?
Ours isn't insured because if it's on a trailer it's covered by vehicle insurance, and if it's in the garage it's covered under house insurance. We have insurance for injury and if we injure ourselves or anybody else then we are covered.
You can find insurance through Progressive, I think it runs around $90 a year for vehicle only coverage and $200 a year for accident & injury. BigPig i hope you have read your policy and not just taking someones word on your coverage. Personal auto coverage normally doesnt provide any coverage for items being hauled. Also most homeowners policies have a motorized vehicle exclusion and will not consider your utv as contents. Progressive is very good at insuring toys.
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Re: Cheapest insurance coverage for utv
[Re: Leonardo]
#6449703
09/13/16 02:54 AM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
What are you needing the insurance for?
Ours isn't insured because if it's on a trailer it's covered by vehicle insurance, and if it's in the garage it's covered under house insurance. We have insurance for injury and if we injure ourselves or anybody else then we are covered.
You can find insurance through Progressive, I think it runs around $90 a year for vehicle only coverage and $200 a year for accident & injury. BigPig i hope you have read your policy and not just taking someones word on your coverage. Personal auto coverage normally doesnt provide any coverage for items being hauled. Also most homeowners policies have a motorized vehicle exclusion and will not consider your utv as contents. Progressive is very good at insuring toys. I have. Many many times. I have both home and auto through the same company. If truck is parked in driveway and is broken into that's auto policy, but if it's in the garage and broke into, say with garage door open, that's home owners policy. I have been through it with a fine tooth comb, for the very reason you mentioned.
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Re: Cheapest insurance coverage for utv
[Re: BigPig]
#6452514
09/15/16 12:33 AM
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Joined: Jul 2013
Posts: 6,041
tlk
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jul 2013
Posts: 6,041 |
What are you needing the insurance for?
Ours isn't insured because if it's on a trailer it's covered by vehicle insurance, and if it's in the garage it's covered under house insurance. We have insurance for injury and if we injure ourselves or anybody else then we are covered.
You can find insurance through Progressive, I think it runs around $90 a year for vehicle only coverage and $200 a year for accident & injury. BigPig i hope you have read your policy and not just taking someones word on your coverage. Personal auto coverage normally doesnt provide any coverage for items being hauled. Also most homeowners policies have a motorized vehicle exclusion and will not consider your utv as contents. Progressive is very good at insuring toys. I have. Many many times. I have both home and auto through the same company. If truck is parked in driveway and is broken into that's auto policy, but if it's in the garage and broke into, say with garage door open, that's home owners policy. I have been through it with a fine tooth comb, for the very reason you mentioned. Totaled my $29 K polaris at the lease - hit a pot hole at dark and it destroyed it - insurance covered it - I ALWAYS insure my RTVS - also what happens when towing it and you wreck it? No auto or HO will pay for it Not talking about mechanical issues - talking about wrecking it
Last edited by tlk; 09/15/16 12:34 AM.
You can't fix stupid
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6453183
09/15/16 02:06 PM
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Joined: Nov 2014
Posts: 7,789
Mr. T.
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2014
Posts: 7,789 |
"BigPig i hope you have read your policy and not just taking someones word on your coverage. Personal auto coverage normally doesnt provide any coverage for items being hauled. Also most homeowners policies have a motorized vehicle exclusion and will not consider your utv as contents."
State Farm agent that I have had for 39 years said my UTV was covered at the ranch. I asked that he send me that in writing after reading post here on THF and a week later he sheepishly called and said it was not covered at all while at the ranch and neither was my tractor that he had told me was. He also said that State Farm was not going to cover them.
My advise, learned almost the hard way is; ask your agent to put it in writing and then see what happens. I did get coverage for both, and again I have to thank everyone here at THF, especially jetdad who put me in contact with Kathy McGarry at Germania. She has my tractor and Mule insured. The Mule includes off premises since it stays on the lease. Her number is 940-437-2378.
Last edited by Mr. T.; 09/15/16 02:07 PM.
Cabin rental in Pagosa Springs, Co. Sleeps 10, If interested please PM me.
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Re: Cheapest insurance coverage for utv
[Re: Mr. T.]
#6498994
10/17/16 03:29 PM
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Joined: Jul 2015
Posts: 3,091
Always ready 2 hunt
Veteran Tracker
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Veteran Tracker
Joined: Jul 2015
Posts: 3,091 |
"BigPig i hope you have read your policy and not just taking someones word on your coverage. Personal auto coverage normally doesnt provide any coverage for items being hauled. Also most homeowners policies have a motorized vehicle exclusion and will not consider your utv as contents."
State Farm agent that I have had for 39 years said my UTV was covered at the ranch. I asked that he send me that in writing after reading post here on THF and a week later he sheepishly called and said it was not covered at all while at the ranch and neither was my tractor that he had told me was. He also said that State Farm was not going to cover them.
My advise, learned almost the hard way is; ask your agent to put it in writing and then see what happens. I did get coverage for both, and again I have to thank everyone here at THF, especially jetdad who put me in contact with Kathy McGarry at Germania. She has my tractor and Mule insured. The Mule includes off premises since it stays on the lease. Her number is 940-437-2378. I agree with Mr. T. and IMO many people are taking risks that I don't think would be covered for first party property damage while towing, off premises, in garage or third party injury if someone were riding it and were injured by a personal auto or personal homeowners if this UTV/4 wheeler is not scheduled on policy. I have handled way to many atv/utv accidents/fatalities over the years in this business on such coverages. Insurance agents are sales persons but it is the insurance company and claim representative that make the actual coverage determinations on the policy contracts. My advise is to speak directly with your insurance underwriter and claims mgr (not agent) about your coverage and intent.
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Re: Cheapest insurance coverage for utv
[Re: Brother in-law]
#6499065
10/17/16 04:28 PM
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Joined: Oct 2004
Posts: 39,549
redchevy
THF Celebrity
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THF Celebrity
Joined: Oct 2004
Posts: 39,549 |
I would have to have fine print in front of me. My homeowners policy specifically says it doesn't cover vehicles. I believe most auto insurance companies don't even cover vehicle contents. If your utv gets stolen your auto insurance isn't going to cover it. I think tow vehicle insurance extends to liability of the trailer while on the road, but that's it.
It's hell eatin em live
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