Automobiles are easy to categorize as either cars or trucks. Once trucks and vans are large enough, they usually fall under a commercial auto policy. However, there are many other types of vehicles and equipment that may not fit neatly onto an auto policy. Golf carts, electric bicycles, motorized wheelchairs and scooters to assist the handicapped, watercraft, snowmobiles, ATVs, riding mowers, and other such equipment all need to be insured; but the problem is what policy covers them? Coverage for these vehicles is found in three places: the homeowners policy and endorsements, the auto policy and endorsements, and inland marine endorsements. These endorsements make obtaining proper coverage for these vehicles confusing. Where is the best coverage found for an insured's needs? Are multiple forms needed in order to close all gaps? Because coverage crosses different policies, we’ve broken this into three parts - the homeowners form, the auto form, and the inland marine form.

Part I - Homeowners Coverage

Part II - Personal Auto Coverage