Our insurance is with Farm Bureau, and a couple of years ago we got a notice that ATV's of any kind/use would no longer be covered under our farm policy. They only cover them under a seperate, specific policy...
I knock on wood when I say we've been lucky and haven't lost much to theft over the years. I have a couple of theories on that, as some of our neighbors have been hit repeatedly. Mostly that my schedule is very unpredictable, and the way we're situated here, anybody caught here would be pretty much trapped (or at least their vehicle would). In any case, we do try to be careful to keep things put away, but in the end, if somebody wants something bad enough, they're gonna take it...