In my state (NY) ATVs must be registered (all) and also insured if they are operated on property that does not belong to the ATV owner (I guess).
My agent has said "Unfortunately, we do not have a policy for the lawn tractor. There is an agency that may be able to write the policy. You can try the **** agency ***-***-****. Hopefully they can help. Thank you!"
NY law says this (trimmed a bit despite that it's still long):
An all-terrain vehicle (ATV) is any self-propelled vehicle with two or more wheels that is manufactured for sale to be used primarily off-highway or in off-road competitions, and that is no wider than 70 inches and weighs no more than 1,000 pounds. This does not include vehicles manufactured exclusively for travel on snow or ice which are subject to other laws and regulations.
An ATV must be registered with the Department of Motor Vehicles (DMV) if it is operated anywhere in New York State, including on the owner's property.
You must have a valid NY State registration to ride your ATV in New York State, unless it is
• only used for agricultural purposes or not-for-hire snow removal on private property
• registered in another state to a resident of that state
• only used at special events (competitions)
You may not operate any ATV anywhere in New York State, except on your own property, unless it is covered by liability insurance. Minimum required coverage is $50,000/$100,000 for death, $25,000/$50,000 for injury, and $10,000 for property damage in any one accident. You must show proof of this insurance upon the request of a judge, the police, or a person claiming to have suffered injury or property damage from your operation of the ATV.
There's nothing about lawn mowers as far as I know. I would expect them to have the agriculture exception but does it count for any configuration the chassis might be turned to?
If you guys know an agency or company that would provide the coverage specified I would appreciate learning of it.
I tried to get a quote from Progressive but they asked what year my vehicle is and I don't know.
The S/N does not appear to be a date code, at least not the simple code they expected.