Why do you need a separate policy for your ATV?
Your ATV is not covered under your homeowner's policy like other motorized equipment (your riding lawn mower) is. In New York State, you need this special insurance to register your ATV.
ATV insurance provides you with protection from claims of damage you have done to another person's property. It also provides coverage for damages to your ATV (if you opt for that special coverage which is subject to the policy's deductible).
Contact a CFA Service Representative for more information by clicking here.