One of the most common misconceptions about Homeowners Insurance is that it will cover recreational vehicles, such as snow machines, ATVs, and even boats. But the truth is, Homeowner’s Insurance is not meant to cover any motorized vehicles (with some limited exceptions). Snow machines, ATVs and boats are all designed for use away from the home. Yet, they are not approved for highway use, so they do not fit under auto insurance either. So a special “Recreational Policy” was designed to cover this unique risk. The coverage options for your ATV, boat or snow machine are similar to those of your auto policy; offering coverage for fire, theft, vandalism, collision, and even liability.