The only dirt bikes that are legal in all states are Enduros. That is dirt bikes with turn signals, headlights / taillights, and a license plate. Any dirt bike not equipped with these is not street legal in any state.
Homeowners insurance does not cover dirt bikes. There is dirt bike coverage that can be purchased. Dirt bikes are not required to be licensed in order to use them. Make sure that your dirt bike coverage stipulates that it is covered upon theft because not all policies include theft.