People often ask the question, is my ATV covered, usually referring to a homeowners policy. Every situation is unique, and you should always consult your agent, but generally the answer will be no. The caveat for coverage is if the vehicle is used solely for the maintenance of the property. Most people couldn't answer that question yes, even if they do use it for maintenance, because the very nature of ATV's is recreational riding. They're fun!
So what do you do? Insuring ATV's is simple but pricing can vary widely among insurance companies. Something to always consider is the liability you could face if someone was injured in the course of operating or riding your machine. Going with minimum liability limits can turn out very badly in a serious accident. Go with higher limits and protect your assets because the increased cost is usually minimal. Happy trails!