Low power recreational motor vehicles are a unique class. The homeowners policy is not designed to provide coverage for vehicles such as private passenger autos, but there are a host of smaller motorized vehicles that do not qualify for an auto policy. Coverage for some of these is provided in the exceptions to the exclusions for motor vehicles.
|The Homeowners Policy
Let's start with the definition of "motor vehicle". In the HO 00 03, "motor vehicle" is defined as follows:
"11. "Motor vehicle" means:
a. A land or amphibious vehicle that is self-propelled or capable of being self-propelled; or b. Any trailer or semitrailer which is being carried on, towed by or hitched for towing by a vehicle described in 11.a. above."
So far so good. Then we start finding exclusions. Under the Property Not Covered section, we have this:
Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.