Did they give you a reason for not covering the RTV (although they'll cover a Mule)?
I have several ins. companies so I don't recall whom I have for the RTV but do recall it was a bugger to get the insurance. The reason is/was that the RTV wasn't listed as an option/vehicle for the carrier to pick. I think it's classified as an oversized ATV or something like that...
[quote user="labaherd"]My ranch insurance covers mine.they look at it like a tractor.[/quote]
That no longer works in some states. We used to be able to do that but PA then enstated a requirement for all ATV/UTV's to get registered and insured. Since it's now a registered vehicle, the insurance companies can't cover it under your home or farm insurance.