In regards to atv insurance, most people don't know that when the new law went into effect a few years ago to require atv registration, it basically took away blanket coverage by homeowners insurance. If anyone owns an ATV or UTV, it would be wise to open a specific policy for it...regardless of whether you use it only at home or at events like the TOO outing. Disclaimer... This is based on my interwebs research... I haven't confirmed with my agent yet.