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Message: [QUOTE="pedesktm, post: 148081, member: 17052"] The homeowners policy is very limited on the coverage of "dirt bikes" I have been iquiring for some time now regarding insurance on my dirt bike. I live in N.C. N.C, S.C, and New Jersey are 3 states which have very limited but changind views on dirt bike coverage. The underwriter of the policy is the one whom truly makes the decision wheter or not to provide coverage for the risk. I recently was able to get theft, vandalism, fire coverage on my dirt bike (99 300 EXC) at a replacement value of $7000 under my auto policy from Nationwide. Cost is $120 / year and I am covered anywhere I take my bike. So... I'm covered at home, on the trail, or if I travel somewhere out of state to ride (ie Hatfield / McCoy). Check with your insurance carrier about coverage under your auto policy. Hope this helps some. Rick [/QUOTE]