I work as a police officer.. no they do not cover under homeowners insurance.. they arent a furniture or kitchen appliance.....
I got mine under a motorcycle insurance or Off road ATV under the same class. I also have mine licensed so its with the DMV now with the S/N so if it comes up stolen, they will be able to find it if its not parted out.
Also mine has a Lowjack on it. not hard to install in a good out of view spot.
In another word.. youre F**k'd.
04 GMC 1500 Sierra
STOCK
06 Kawasaki KFX400
ITP Mud Lite SP (rear)
Dunlop (front)
Outerwear
Quadworks
Dynojets
Two Brothers Racing
OverRev Meter
1/2 inch bigger front sprocket
1.5 inch spacers on all wheels