Are you using ATVs and UTVs around the farm? Here’s what you need to know about your insurance. Recreational vehicles are most commonly classified at All-Terrain Vehicles (ATVs) and Utility-Terrain Vehicles (UTVs). These recreational vehicles have become an invaluable tool on farms and ranches. In many cases, these recreational vehicles have replaced pickup trucks and horses for doing most jobs. Since most farmers and ranchers have at least one type of recreational vehicle, I thought it would be a good idea to talk about what kind of coverage you need