Many people today have a need for an ATV or Golf Cart. Whether you are a trail rider, hunter, rancher or you live in a gated community, a lot of people have added these units to their list of toys.Homeowner policies typically do not extend coverage to these type of units unless they are used SOLEY to maintain your premises. That is typically not the case. You may use it around your premises, but you may take it off your property for other uses as well. In order to protect these types of units properly, you must have an ATV or Golf Cart policy in force. These types of policies take the worry out of whether or not it is covered. They will give you the liability coverage to protect you against an accident and they will cover the unit itself in case of damage due to a theft, fire, vandalism or collision.