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  1. #1
    aliceb is offline Junior Member
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    My Homeowner's won't cover my stolen ATV from my property!

    Texas

    My brand new ATV was stolen from my property on Monday but my Homeowner's Insurance will not cover the pay off amount. I will never see the ATV again. Is there anyway to get my insurance to cover it or at least pay a portion.

    The ATV was in my backyard, in my barn.
  2. #2
    Ohiogal is offline Senior Member
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    Why are they saying they won't cover it? Was the barn locked? Were the keys in the ATV? Was the ATV worth an amount which should have had it under an additional rider?
    Parents should remember 3 things: Love your kids more than you hate your ex; when you have children the relationship with the other parent is until death; your children determine what type of nursing home you end up in.
    Nothing stated by me should be taken as giving you legal advice or forming an attorney/client relationship.

    Attorney-GAL in Ohio.

    I've removed the knife from my back, polished it, and will one day return it -- long after you think I have forgotten.
  3. #3
    aliceb is offline Junior Member
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    No, the keys were not in the 4 wheeler; it was in Neutral inside an unlocked barn. Of all nights that we don't lock it up, huh? Anyway, we owe $6000 on it. I was not the one that talked to the insurance so I am not sure the reason. All i know is they said that it was not applicable

    Any advice? I realize that we bought it and have to pay for it, but is there anything out there that helps in circumstances like this?
  4. #4
    moburkes is offline Senior Member
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    Quote Originally Posted by Ohiogal View Post
    Why are they saying they won't cover it? Was the barn locked? Were the keys in the ATV? Was the ATV worth an amount which should have had it under an additional rider?
    No ATV is covered under homeowner's insurance, which I told him in another thread. It is covered by special lines insurance, or ATV insurance, which he didn't have.
    You can't buy insurance after the fact. It won't cover prior claims. If that was the case, people wouldn't buy insurance until after they've been involved in an accident, or been diagnosed with some horrible disease.
    My new signature:
    Originally Posted by arazi
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  5. #5
    Ohiogal is offline Senior Member
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    Quote Originally Posted by moburkes View Post
    No ATV is covered under homeowner's insurance, which I told him in another thread. It is covered by special lines insurance, or ATV insurance, which he didn't have.
    You can't buy insurance after the fact. It won't cover prior claims. If that was the case, people wouldn't buy insurance until after they've been involved in an accident, or been diagnosed with some horrible disease.
    I never thought insurance would cover prior acts. Sorry if I led you or OP to believe that! And I hate when people post in more than one thread.
    Parents should remember 3 things: Love your kids more than you hate your ex; when you have children the relationship with the other parent is until death; your children determine what type of nursing home you end up in.
    Nothing stated by me should be taken as giving you legal advice or forming an attorney/client relationship.

    Attorney-GAL in Ohio.

    I've removed the knife from my back, polished it, and will one day return it -- long after you think I have forgotten.
  6. #6
    byrd42 is offline Member
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    Homeowners' Insurance specifically excludes the ATV as follows;

    PROPERTY NOT COVERED

    Motor vehicles or all other land conveyance nor vehicles or conveyances NOT subject to motor vehicle registration, UNLESS used to service the Insured's Residence or assisting a handicapped person.
  7. #7
    Country Living is offline Senior Member
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    Iím surprised the loan company did not require he have insurance for loss if the ATV was used as collateral.
  8. #8
    moburkes is offline Senior Member
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    Quote Originally Posted by Country Living View Post
    Iím surprised the loan company did not require he have insurance for loss if the ATV was used as collateral.
    They may have. However, MANY people get the insurance policy started, to get the vehicle, then don't pay another bill.
    My new signature:
    Originally Posted by arazi
    I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
  9. #9
    ceara19 is offline Senior Member
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    Quote Originally Posted by moburkes View Post
    They may have. However, MANY people get the insurance policy started, to get the vehicle, then don't pay another bill.
    And then they complain when something happens and they have to continue paying for something that they no longer have.
  10. #10
    tammy8 is offline Senior Member
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    Quote Originally Posted by byrd42 View Post
    Homeowners' Insurance specifically excludes the ATV as follows;

    PROPERTY NOT COVERED

    Motor vehicles or all other land conveyance nor vehicles or conveyances NOT subject to motor vehicle registration, UNLESS used to service the Insured's Residence or assisting a handicapped person.

    What did you use the ATV for EXACTLY? Recreation? Hunting? Where was the ATV when it was stolen?
  11. #11
    Happy Trails is offline Senior Member
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    Quote Originally Posted by Country Living View Post
    Iím surprised the loan company did not require he have insurance for loss if the ATV was used as collateral.
    I thought about that too, but then the OP may have bought it with a credit card.

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