Join Date: Nov 2018
Location: West Springfield, PA
If you didn't have insurance on your ATV you will likely be out of luck. I learned the hard way a few years ago with dirt bikes. Stole from my garage. Found out home owners does not cover any motor vehicle, other than maybe a lawn mower.
So now I have every toy on a policy, bikes, quad, sled... It isn't that expensive.
Maybe if you can prove that it was used for property maintenance, you might find a loophole. But if your home owners isn't covering the flood, then you probably aren't going to get the quad covered either.
--- Something fishy (I think) about this whole flood insurance thing. I tried to get flood insurance. You just never know. Even though I don't live near a stream or anything, the water table is high enough, I feel like a freak rain storm could flood our basement pretty easily. But because we don't live in a flood zone, we can't get that insurance. Seems strange to me, that if I'm willing to give the insurance company money for something they think is unlikely to happen, why don't they just take the money?