Homeowners and Personal Auto Policy—Loss Covered by Both?

Our insured borrowed a pickup from his father-in-law, which had a utility trailer attached. He then went to his sister-in-law's home to borrow a riding lawn mower. On the way back to his home, the trailer came loose from the pickup, flipped, and damaged both the mower and the trailer.

Our insured has both his homeowners and auto policy with the same insurer. They paid $200 for damage to the mower, but the damage turned out to be more than that. Now they are stating they should not have paid anything, since there is no coverage for a motor vehicle.

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