Final answer:
Motor vehicles are generally not covered by homeowners insurance except in certain situations such as unregistered vehicles used solely for servicing the insured's residence, like electric golf carts or lawn mowers, or those designed for handicapped assistance.
Step-by-step explanation:
Homeowners insurance generally does not cover motor vehicles; however, there are certain exceptions to this rule. Motor vehicles are generally not covered by homeowners insurance except in certain situations such as unregistered vehicles used solely for servicing the insured's residence, like electric golf carts or lawn mowers, or those designed for handicapped assistance.
A motor vehicle may be covered under a homeowners insurance policy if it is not required to be registered for use on public roads and is used solely to service an insured's residence. This can include vehicles like an electric golf cart or a lawn mower.
Furthermore, if a vehicle is designed to assist the handicapped and is not road-registered, it may also be covered. To ensure coverage for a motor vehicle under a homeowners policy, it's crucial to review the policy details and speak with the insurance provider.