Really? What if it gets stolen? Catches fire? I insure mine more if it gets stolen Bc IF it was stolen I don't want to pay for something I don't haveIt depends on where you live and ride. In MT, my self and all my buddies, we don't insure our wheelers.
I understand that. But I live close enough to the city that there are dirt bags that would try to steal something while I'm not home. Had a buddy got his wheeler and trailer stolen off his truck while he was in Chilis eating lunchWell, I leave my keys in my ignition on my wheeler, my 4runner and my crew cab chevy. I don't lock my doors on my house. I couldn't live in a place that I couldn't trust my fellow man. Maybe because everyone that lives here owns guns and isn;t afraid to use them. Keeps people honest I guess.
With respects to fire and damage due to a roll over etc, well that is a concern but not enough for me to throw money at insurance.
I have St. Farm and that's not the way it was explained to me. I will check with them again and make sure they have it right.I pay about $400/yr (just went up) for full coverage/ $250 deductible on both our quads through State Farm.
You guys that are worried about accidents, etc while traveling might want to check your vehicle's policy. The way it has been explained to me is that ANYTHING connected to your truck (trailers, quads, etc) is covered by your vehicle's policy in case of accident or theft. Once you disconnect the trailer, it's an entirely different story, though.