All Terrain Vehicles or ATVs are those 3 and 4 wheeled vehicles that can pretty much go anywhere you want to take them.
They can be a great deal of fun but also dangerous if the rider is not careful.
Dirt Bikes also add to the adrenaline rush of off road entertainment.
Having the right insurance coverage is key to ensuring your family or other guest is protected in case of an accident.
Here are a few things to consider when buying an ATV or dirt bike.

1. Depending on your location, you may or may not be covered under your homeowners insurance policy.
   Depending on where you ride, your own land may be the only place you can make a claim if an accident occurs.
   
2. Most people will have more than one piece of off road equipment.
   If you cover multiple ATV's and dirt bikes, your provider may have additional discounts you can take advantage of.
   
3. Larger engines can contribute to larger premiums.
   If your ATV or Dirt Bike is below a certain size, you may qualify for cheaper insurance premiums.
   However, if you are purchasing a larger machine, they are seen as being prone to more accidents.
   Most insurance companies know this and will increase the monthly premium to assume that risk.
   

In summary if you decide to purchase one more off road vehicles, your homeowner's insurance may not cover your rides if done off your property.
In addition, state lands may require proof of insurance before they will allow off road vehicles, so having insurance specific to these machines may be worth the effort and peace of mind.