Are ATVs, Golf Carts and Other Vehicles Covered by Homeowners Insurance?

April 19, 2019

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Here is an easy test to see if your recreational vehicle is covered by your homeowners policy: Are you having fun? If so, it’s probably not covered. That isn’t always the case, but the protection provided by your homeowners policy is very limited. Property Coverage You may have property coverage for owned “motor vehicles” that are not required to be registered for use on public roads. Also for vehicles used to service an insured’s premises or designed to assist the handicapped. If your home were damaged in a fire, your riding lawn mower and electric wheel chair would be covered. There’s a big gap for many other vehicles. Liability Coverage. You may have liability coverage for the same types of vehicles covered by your property insurance. And just like with property coverage, your liability from using any other vehicle is limited. Liability arising out of the use of owned vehicles designed for use off public roads (ATVs, Power Wheels, dirt bikes, go carts, etc.) are covered as long as the vehicle is being used on an insured location. Your liability coverage often ends at your property line. Golf carts that carry up to 4 people may have extended liability coverage to include their use on golf courses and in private residential communities that allow golf carts. We see a lot of people in our local communities using golf carts to travel locally – making a short trip to the grocery store or picking the kids up from school. Depending on your policy, there may or may not be coverage.

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The ABD Team

We are the ABD Team. Our 250+ risk and reward advisors are dedicated to helping you understand the relationship between risks and rewards—so that you can strike the right balance to achieve your goals. We partner with organizations of all sizes to help them develop strategies and tactics that fit their unique culture, taking care of the details so that they can stay focused on building success.

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The ABD Team

We are the ABD Team. Our 250+ risk and reward advisors are dedicated to helping you understand the relationship between risks and rewards—so that you can strike the right balance to achieve your goals. We partner with organizations of all sizes to help them develop strategies and tactics that fit their unique culture, taking care of the details so that they can stay focused on building success.

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