I am a Farmer’s Insurance agent – I would be more than willing to get you a quote on your side by side. Premium varies a lot, so it kind of hard to give you a $ without getting the details and running a quote. Our ATV insurance does cover it if you drop it thru the ice. It covers the recover and physical damage. What it does not cover is any fine’s that are associated with it from the DNR. Some insurance carriers only cover the physical damage and not the recover cost so be sure to confirm with the company you go with. If you would like me to run you a quote, Give me a call at 320-252-7222.
John