5 dollar.. Sometimes.. You have to read the fine print in your homeowners policy. Many specifically do not cover atvs. Some cover if its in a garage, but not in a shed, etc.  i have called a lot of companies and all they say is "no" or " book value" and i have found none that cover aftermarket parts.  Here in md, $820 wont buy a blaster, much less a zilla.  My yfz has full coverage from geico, and if stolen, my reimbursment is about $2800, not near what i have in it, but i can accept that number based on replacement of a 8 year old yfz and $130 a year for the policy.