i'm thinking of looking into this for my trailer and buggy. i heard that the buggy would not be covered by home owners insurance. would like to protect the other people i ride with. like if i roll over someone at the bottom of a hill. i would like to think there covered by some insurance. i dont want anyone getting hurt. but shit happens. anyone done anything like this?????????????????????????????

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What the hell was that moron doing at the bottom of the hill while you were climbing?
Actually I used to have insurance on my buggy though State Farm. They told me it would cover someone in a accident. I dropped it a long time ago. I think it was $300 per year. Don't know if they still offer it.

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It's amazing what you can accomplish when you don't care who gets the credit.-
Harry S. Truman

watching! i herd i can get it for the trailer and contents. but dont know yet.

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back in 2000, my garage burnt down with my buggy in it, thats when i found out home owners insurance does not cover the buggy, they said "the only thing it will cover would be a vehicle or equipment to maintain your property or a handicap vehicle." and when i asked state farm about insurance for the buggy, they said, "yay, we'll take your money" i forgot how much they were gonna charge me, it was quite a bit and it would only cover the buggy up to $ 5,000. that wouldnt even pay for my motor.

To cover the buggy you would likely need an apraised value for them to insure it. As far as covering injury to spectators I would think you would need a balloon liability plan, but I doubt they would pay or cover anything if it was offroad. Personal injury is very difficult to ensure and if you didn't have the money or insurance they would just go after the property owner or anyone else they could suck the life out of.

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"Obstacles are those frightful things you see when you take your eyes off your goal." -Henry Ford

you can insure the buggy as a ohv like an atv etc. 6000.00 for 230.00 a year. nice if you total it or it got stolen.

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2332cc Air Cooled Screaming Meanie. Predator Singleseat.

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