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My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed

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Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.

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You may want to double check on that. Years ago I was a Life/Health agent. Not the same as a Property/Casualty agent, but I knew several of those & I realize every state has different laws. However they told me that any proberty that has value is covered under your home owners insurance for up to 10% if damaged while on your property. Doeesn't even have to belong to you. Just parked/sitting or stored there. This would include race cars. Again up to 10% of the value. And the damage. Same with towing. If the tow vehicel is covered then the trailer and its contents are automatically covered up to 10%. You can purchase a rider for additional coverage if you want. Here in NC we have to have tags on the trailers & they are then covered under the tow vehicals policy. Thats my understanding under NC insurance laws. I will check this weekend with one of my buddies whos a retired agent. I know 10% is not much, but its something. And you can always buy a rider to attach to the policy. Hope this works for you guys.

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My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed

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Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.

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My cars are insured with Haggerty. They don't cover "on track", but will cover you in the pits, return road, etc.
That reminds me I still need to get my hail dammage fixed

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Is it covered while its being towed on a trailer, if its in an accident? Im asking because my dad was in an accident this week, and was towing two quads. They arent covered under his insurance.

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The car is covered by it's own insurance when it's on a trailer. It's not covered by the truck/trailer's insurance, and neither would the quads be covered by the truck/trailer's insurance, unless the vehicle in question is being transported by a commercial hauler. A commercial policy for someone hauling vehicles for a fee would include coverage for the customer's vehicle while it was on the trailer. The trailer itself does not have to be insured to be covered by the truck's policy. The trailer itself would be covered under your dad's truck insurance, up to whatever limit was specified in the policy.

Quads have titles, VIN's, etc...and insurance is readily available for them. If they aren't covered, it's because he didn't insure them.

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However they told me that any proberty that has value is covered under your home owners insurance for up to 10% if damaged while on your property. Doeesn't even have to belong to you. Just parked/sitting or stored there. This would include race cars. Again up to 10% of the value. And the damage. Same with towing. If the tow vehicel is covered then the trailer and its contents are automatically covered up to 10%. You can purchase a rider for additional coverage if you want. Here in NC we have to have tags on the trailers & they are then covered under the tow vehicals policy. Thats my understanding under NC insurance laws. I will check this weekend with one of my buddies whos a retired agent. I know 10% is not much, but its something. And you can always buy a rider to attach to the policy. Hope this works for you guys.

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Not sure if this is current, but in New York homeowners policy specifically used to exclude:
1. motor vehicles of any kind (lawn mower, parts, tools are OK)
2. furs
3. cash
4. jewelry
5. guns
6. art with value in excess of (used to be $1,000)
7. objects of sentimental value unless appraised

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