Which item is insured as personal property under a dwelling policy?
Explanation
Motorized equipment used to service the described location and not licensed for road use, such as a lawn tractor, is insured personal property, while a car licensed for the road is not. Dwelling forms list money and securities as property not covered, which is one place they are narrower than a homeowners form. Property of roomers unrelated to the insured is outside the coverage too.
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