Made up your mind on that ATV and now it's time to think about insurance. Buying ATV insurance is alot different than insuring your car, as there are fewer companies that offer ATV insurance. If your ATV is covered under a homeowner policy, you may not have the coverage you need. Many riders don't realize that some ATV damage is not covered under a homeowner policy if the ATV is driven off the insured individual's property. A stand alone ATV only policy will most of the time be the best coverage.