Well when you race in like crmc you do need insurance and just riding the road and the pit and things like that you might want insurance just in case you do fall and you break a leg and if you get your bike stolen.
Try looking at Bike Sure for the insurance. They specialize in niche bike insurance such as this - http://www.bikesure.co.uk
If you are taking it out on the street then you will need motorcycle insurance. If you are traveling on your property then your homeowner insurance will cover it.
You would have to have insurance on the dirt bike.
no
Is a dirt bike covered under homeowner personal property?
yes you do
you can ride a dirt bike at any age
no
No
No.
The bike would need to have the street legal requirements like turn signals, horn, head lights, tail/brake lights, mirrors plus you'll need a insurance on the bike and a license plate.
yea
no