Homeowners generally covers your personal property for destruction and theft from a locked storage, subject to a deductible which could significantly reduce your settlement. Read the theft exclusions. Read the policy and speak with your agent and document the response. This is for the property damage. The liability has been hard to get on the homeowners policies forever. BUT, good news is that effective March 1, 2022, a new endorsement has been approved for use by all companies by ISO (Insurance Service Office) to address the "motorized vehicle exclusions on Homeowner Policies". Covers bikes up to 28hp and gives you that coverage when you say "Left" and the lady steps to the left. Call your agent and add the liability endorsement. Separate physical damage and theft policies vary by state and values so check that in your state. New policies are coming out as the motorized vehicles expand in numbers. Lower deductibles and broader coverage for thefts from a carrier or rack may make a separate policy a better option for you. Read The Exclusions and Conditions of the policy. Don't assume anything.