Motorized vehicles typically are not covered by homeowners

Many people own some kind of motorized vehicle, such as ATV, golf cart or scooter and assume their homeowner policy will cover it, well they will be in for a shocking surprise in event of a serious injury.   Likewise, older cars kept in a garage would NOT be covered by a fire or theft.   I've had people tell me they are positive the homeowner policy would cover the old classic car in a garage in event of tornado, fire or theft.   No I'm afraid they would NOT be covered by homeowner policy. 

Typically the only motorized unit covered by a homeowner policy is a lawn mower used exclusively to maintain the premise.   Maybe a very small fishing boat with no more than 10 horse-power. engine; however, suggest checking with your policy or your agent on this. 

So don't be fooled, if you have an ATV, golf cart or scooter simply take out a motorcycle policy.  If own a classic car simply take out a classic car policy.  If own a small boat take out a boat policy. 

ANY questions contact Flanigan Insurance @ 314-727-6000