I would recommend contacting a company that specializes in custom motorcycles cars and off road machines. I don't know the names of any but I'm sure a google search could render you a few. You're gonna want specialty coverage not just atv coverage. My dad had to do it with his chopper, the title was for a soft tail Harley and they only wanted to insure it for $8000 but he had over $30k in the bike he wound up getting a specialty policy that gave him $35000 worth of replacement coverage in event of loss due to accident or theft.