Just got a wake up call ,, lulled into a false sense of security , leaving the city for the country. 2 boxers and a pit that bark at everyone that comes to the house. Motion sensors on the rear driveway , bedroom window open , ATV 20 feet from window. House is in the middle of 10 acres and not visible from the road. Gravel driveways . Solid heavy rain , wake up, bike is gone. No lights, no barking, no noise . I am a light sleeper with two babys in the house. My 9mm close at all times . No tracks , lock and chain gone as well. Called the insurance company after a day of searching known hangouts. They were reluctant to take the claim on my homeowners policy at first . I only use it on the farm , cutting grass hauling wood and materials and snow plowing. Finally got them to agree on it's use . Make sure you have the right policy for your ATV,, things could go south at any time. Oh, and my deductible is 1% of my house replacement value. Never even noticed that policy change last month.
Good news is I can replace the Rubicon with a 2012 Sportsman 850 w/ ESP . Less money for the Polaris , more weight, torque , and a smoother ride. 2013 Rubicon 500 cc bike with 14 inch wheel tire combo , winch and plow , $11,100 . Sportsman 850 WITH EPS , already has 14 inch wheels , add a plow and winch and I'm OTD at 9600. That is with the rebate .
Bottom line your best defense is insurance. Need to get the deal done tomorrow , lots of work to do . Take care and stay safe ,,,