Detachable Trailer
May 9, 2016
Under the Property Not Covered section, the DP 00 01 12 02 states the following:
e. Motor vehicles or all other motorized land conveyances.
(1) This includes:
(a) Their accessories, equipment and parts; or
(b) Any device or instrument for the transmitting, recording, receiving or reproduction of sound or pictures which is operated by power from the electrical system of motor vehicles and all other motorized land conveyances, and its accessories. Accessories include antennas, tapes, wires, records, discs or other media that can be used with any device or instrument described above.
The exclusion of property described in Paragraphs (a) and (b) above applies only while such property is in or upon the vehicle or conveyance.
(2) We do cover motor vehicles or other motorized land conveyances not required to be registered for use on public roads or property which are:
(a) Used solely to service the described location; or
(b) Designed to assist the handicapped;
Would this pertain to a pull behind trailer? The trailer is not motorized but is licensed for the road.
Arizona Subscriber
The exclusion states that it applies only to accessories, equipment, and parts and transmission devices while such property is in or upon the vehicle or conveyance. When attached to a vehicle, the trailer should be covered under the auto policy. When sitting in the driveway at the dwelling property, as long as it is not attached to a vehicle, it can be covered as personal property.
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