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Homeowner policies "typically" are limited to motorized vehicle's used to service the premise(lawn tractor, mower, tiller etc).  Homeowner companies simply do NOT cover motorized land vehicles used OFF the insured's premise.  ATV's or dirt bike's should be insured separately on a motorcycle policy.   I would go as far as mention the remote control planes/helicopter/drone type of craft is NOT covered under a homeowner policy.  Check with your agent for specific items.
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