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.
October 23, 2023 at 05:29 AM
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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, 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.