Augustine Insurance Inc. (931) 431-3677
Augustine Insurance & Financial Services (931) 503-0015

Most homeowner's policies only cover ATVs, UTVs and golf carts when they are being used exclusively to maintain the premises of the home or other location owned by the insured.
 
Once the unlicensed vehicle leaves the physical premises or the insured uses it recreationally on the premises, liability, comprehensive and collision coverage, are often excluded from the homeowner's policies   
   
The following situation was described:
 
"I know firsthand about the homeowner's limitation. My family has an ATV that was rolled on a farm recently. My homeowner's carrier denied the claim and we paid the hospital bill out of our pocket."
 
Another agent offered additional insight:
"There are hunters and we know there is no coverage for their ATV/UTV on the homeowner's policy, so we sell these ATV and UTV policies regularly.
 
Augustine Insurance's motorcycle insurance programs provides coverage for liability, physical damage and med pay for the insured and passengers. We also offer insurance for golf carts, scooters and snowmobiles. 
 
Don't assume your unlicensed vehicles are covered by your homeowner's insuranceContact one of our agents today at Augustine insurance for a quote in Clarksville Tn. the surrounding area and Kentucky. Oure Motorcycle program also has the extensive coverage options for motorcycles and scooters only a specialty motorcycle program provides.  
 
Posted 3:54 PM

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