[Rusty Heap]

Instead of all the whining about "unfair" taxes, look at it this way, and yeah I own many ATV's.

In Washington State, my ATV's are titled and registered as an ORV Off Road Vehicle only.

Yes there is a yearly tab, and plate on each ORV, no you can't legally be on even forest service roads.

Yes the Tab fee goes into the State Level general fund, no it doesn't go to sustain off road activities (my main gripe)

So back to your case of getting titles, and insurance.

As a titled vehicle, it needs its own insurance, same as your auto, truck, or boat.

If your home garage burns down and up in flame goes your toys, as titled vehicles, homeowners doesn't cover them. (typically, unless you have a extra rider policy for them) Same as if the Quads get stolen out of the back of your truck or off a trailer parked when you're in a store shopping or sleeping in a motel, no your auto policy doesn't cover the loss of the quad. Just as if my Truck Camper is broken into while camping and we're off on a hike, my truck policy doesn't cover it........all comes down to each registered titled licensed vehicle needs its own policy.

Progressive Insurance Co. has the best ATV rates out there, comp/collision/liability, heck I think it's only $60-70 a year per quad.

As far as your home-owners insurance covering someone who gets injured on your property, that's up to your policy. Sounds like it's not the insurance company who you're mad at, but the state (title/registration) who is driving the insurance requirement.

Basically, if you want to play, you're going to pay...........