Stored Winter Tires “Equipment” Under PAP?

I have a coverage question under the personal auto policy.

Our insured stores winter tires in his garage for a covered vehicle under the policy.  His intent of course would be to put the winter tires on the covered auto each winter season. A fire to the garage/home destroys the auto and the winter tires. Under Erie 's Family Auto Policy, Ed. 4/97, the Insuring Agreement states:

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