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Here's the sitrep:
- I have 2 dirt bikes and 3 track bikes. 2 dirt bikes are titled in my name with EPA/ORV stickers. 1 track bike is titled in my name. 2 track bikes are not titled in my name, though I have the titles signed over by the previous owners.
- I have no intention to plate any of them. Negative.
- I want them covered in case of theft. That's all I care about. When I park the trailer with bikes in it on my driveway, or when they get stolen somewhere else because I left the trailer door open, etc.
Here's what I am hearing:
- My home owners insurance provider (liberty) said they do not cover the dirt bikes or track bikes, as they are not considered property supposedly. They said I need to look into comprehensive coverage under a vehicle policy.
- I was told Progressive is the only company that offers offroad vehicle coverage in MA. I called them and they said they don't cover dirt bikes and consider the track bikes as "unacceptable risk" so no go on either.
- My auto policy (Allstate) only covers the trailer itself, not the contents of the trailer. They said I should talk to my home owner's for that.
So how do I get theft coverage for my motorcycles when they are parked in the garage, or in the trailer on the property? Seems like a weird black hole where everyone passes you to someone else. Oh, another interesting thing that came up during my chat with my home owners policy is being able to prove that the property belongs to me. 3 of my bikes are titled in my name, 2 are not. I have the titles signed over, but never titled them in MA. Is that an issue?