Does Homeowners Insurance Cover ATVs? 
You will need to check your own individual homeowner 's policy . As a rule the ATVS must have it 's own policy . ATV 's are titled vehicles . The come from the manufacturer with a certificate of origin which you can take and have it titled . -LRB- just because a vehicle has a title does not make it street legal . -RRB- Most titled vehicles will need their own insurance coverage if you want to insure it . 