A guy that lives close to me had a garge fire and he had home owners on his stuff. He had 3 4 wheelers. Brand new raptor 350  I think a blaster and a 4 wheel drive i dont know the make. The company only  gave him money for 1 the 4 wheel drive and the only reason for that is because he a snow powel on it. The other 2 werent covered because they were  consider recreational. So you have to watch with home owner they will do anything to get out of paying money. Also i had a Koi pond with around  8,000 to 10,000 $ of Koi fishes  in it. Well last year in end of June we had that Derecho Thunderstrom knock your power out for 6 day.Well the Koi died from the pumps quiting called our home owners and they wouldnt cover it, they  said it was specialty item and had to be cover by itself.  Even know it in our yard and is right by the house.I know this last thing didnt have anything to do with 4 wheeler.  Just watch out incase something does happen so you dont get screwed.