I just purchased a 2015 RZR 900 S yesterday and I’m now trying to work on insurance coverage. I called my insurance agent (who has my homeowners -Farmers Mutual Insurance and my auto’s – AAA insurance) and he is telling me that they consider the vehicle a farm vehicle and all claims and liability is covered through my homeowners. The additional coverage was only $119 for the year + $69 a year to cover outside 100 miles from my home with a $500 deductible.

Would I be missing coverage on something if I go through my homeowners vs an automotive insurance company? Don’t get me wrong the price is really good, but I’m afraid its too good to be true.

Thanks