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."
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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.