2. If exclusion A1 does not apply there is still no coverage for "motor vehicle liability" unless the "motor vehicle" is

d. Designed for recreational use off public roads and

(1) Not owned by an insured; or

(2) Owned by an "insured" provided the "occurrence" takes place on an "insured location" as defined in Definitions B. 6a., b., d, e, or h

Reviewed insured location

6. Insured location

D. Any part of a premises (1) not owned by an insured and

Where an insured is temporarily residing

E. Vacant land..rented to an insured

This occurred at a campsite where the insured was temporarily residing. Would this be considered a premises or a vacant land?

Connecticut Subscriber

If there are buildings on the state park then it would qualify as a premises; the definition of "premises" is a building and the area of land that it is on (Merriam-Webster Online). If there are no buildings and the insured was camping in a tent, then he was not in a premises. As state parks often have shelters, picnic tables, and bathrooms, perhaps the land is not vacant. Vacant land is land with no construction on it, not just no buildings. Your answer really depends on the nature of the state park and how the insured was staying there. If he was staying in a cabin then the loss would be covered; if he was staying in a tent, then there would be no coverage.