What do you have for insurance on a farm ATV?  My insurance agent is telling me that if an ATV just crosses a road it needs to be insured. 

Kind of makes me wonder about a tractor on the road...is that general covered by the farm liability ins?  If the tractor is covered, why wouldn't a farm ATV be covered?

I'm being told to expect about a 40% increase on home insurance this year.....great.