What do you want to cover?

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.

"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.