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Insurance Carrier: Kemper
State: Maryland

Consumer Complaint:

Our garage was broken into. ATVs, tools and a lot more were stolen. They say they will not cover our ATVs. One of them was worth a chunk of money. It was titled in Maryland and in a locked garage without keys. I was told that it should be covered. Do we have a leg to stand on here?


Insurance Expert Answer:

I don’t know what the policy language says – that’s critical. Read it very carefully. It may well be deemed a vehicle and if so, it would be excluded. If the theives stole a car in the garage the homeowners policy would not cover it. Get a lawyer to read it also, and see if there is any MD case that gives you a basis to stand on. If it was my ATV, that’s what I’d do.