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The Water Cooler
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<blockquote data-quote="Jeff3C" data-source="post: 1487336" data-attributes="member: 5931"><p>You might get away with 1 ATV covered on your homeowners policy because it can be used to service the residential premises (just like a lawn mower). However, in my opinion it is best to list the ATVs, side by side, Jet Skis, ect on a separate recreational vehicle policy. The main reason being liability but you also know they are cover no matter what happens to them. If you take the jet skis to the lake and you hit a $100K boat or cause injury to someone you need the liability (which you currently don't have). The RV policies are cheap and assure you have the coverage you need. If you have any questions feel free to call me or send a PM. Sorry for the short response as it's hard to type on my phone.</p><p></p><p>The reason they require you to scheldule certain expensive items (jewelry, guns, artwork, ect) is to prevent false claims. If it was not like this people would claim that they had a $75K diamond ring or a $100K painting that was stolen. I wish everyone was honest in this world and we could just go off trust but unforutnely that is not the case.</p></blockquote><p></p>
[QUOTE="Jeff3C, post: 1487336, member: 5931"] You might get away with 1 ATV covered on your homeowners policy because it can be used to service the residential premises (just like a lawn mower). However, in my opinion it is best to list the ATVs, side by side, Jet Skis, ect on a separate recreational vehicle policy. The main reason being liability but you also know they are cover no matter what happens to them. If you take the jet skis to the lake and you hit a $100K boat or cause injury to someone you need the liability (which you currently don't have). The RV policies are cheap and assure you have the coverage you need. If you have any questions feel free to call me or send a PM. Sorry for the short response as it's hard to type on my phone. The reason they require you to scheldule certain expensive items (jewelry, guns, artwork, ect) is to prevent false claims. If it was not like this people would claim that they had a $75K diamond ring or a $100K painting that was stolen. I wish everyone was honest in this world and we could just go off trust but unforutnely that is not the case. [/QUOTE]
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