Do I have coverage for my ATV if not listed on my auto policy?

If your ATV is titled for road use the answer is absolutely not. All of our companies have an exclusion that any vehicle that is titled for road use is specifically excluded. If your ATV is not licensed for road use is there coverage? The answer is maybe. If your ATV is solely used to service your property and does not leave the premises then probably yes, but the safer option is to have the ATV added to your auto policy or an ATV policy.