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Incidental Low Power Recreational Motor Vehicle Endorsements

The homeowners policy excludes most motor vehicles with a few minor exceptions. There are endorsements for certain small, motorized vehicles that allow insurers to either provide coverage for or exclude coverage for vehicles such as motorized bicycles and mopeds.

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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.

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Christine G. Barlow, CPCU

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.  

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