Does Homeowners Insurance Cover Stolen Atvs? 
Typically not . Motorized lawn and garden tools are covered , but motorized vehicles for either road or off road use are not . ATV 's , motorcycles , boats and PWC 's and RV 's should be covered under a separate policy . These policies are readily available and offer special coverages that are not typically offered in automobile policies , for example . Replacement guarantees , custom detailing , riding gear and so on in many cases are included . Some companies offer multi policy discounts so it is wise to shop around . 