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If the ATV was in a garage locked up your home owners insurance should cover the lose. If it was on your truck in the yard or just sitting somewhere your ATV insurance should cover the loss. Just call them and they will answer you. Make sure you file a police report

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Q: My ATV was stolen on my neighbors property. We just finished up the report and I'm just curious.. does my full coverage insurance for this ATV cover it Or does my neighbors homeowner's cover it?
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