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page16APublicationofIndependentInsuranceAgentsofWVcoVerAgeVAriesFordAmAgedlAWnmoWerslOOkTOThEISOhOMEOWNERSPOlICyEDITIONFORANSWERSAninsuredx19smowerisdamagedinanautoaccidentwhileheishaulingthemoweronatrailerwithhispick-uptruck.Istherecoveragefortheinsuredwhosepolicyusesthe2000ISOHO-3formThisisagreatquestionforillustratinghowimportantitistoknowwhatpolicyeditiondateisbeingused.ThemowerispersonalpropertyunderalleditionsoftheISOHO-3.TheunendorsedHO-3coversdamagetopersonalpropertycausedbyvehicles.Presumablydamagetothemowerresultingfromanautoaccidentwouldtriggercoverageunderthisperil.ButonemustthenlookunderthePropertyNotCoveredsectiononpagefourofthe2000policy.Motorvehiclesareexcludedbutsomeexceptionsaremadex14includingthisonex1cWedocoverx18motorvehiclesx19notrequiredtoberegisteredforuseonpublicroadsorpropertywhichare...usedsolelytoserviceanx18insuredx19sx19residence.x19x1dThekeywordinthe2000editionoftheISOHO-3policyisx1csolely.x1dIfthemoweriseverusedforanythingotherthanservicingtheinsuredx19sresidenceitx19snolongercovered.Thatbringsintoquestionwhythemowerisbeingtransportedonatrailer.Ifitx19sonthewayhomefrommowingAuntBerthax19slawntherex19snocoverage.Ifitx19sonthewayhomefrommowingtheinsuredx19schurchx19slawntherex19snocoverage.Inthe2011editionofthisISOpolicycoverageisbroadenedslightlysothereiscoverageifthemowerisusedtoservicex1caresidence.x1dThatmeansthereiscoverageiftheequipmentisbeingtransportedafteritwasusedtomowAuntBerthax19slawn.Butthereisnocoverageifitx19sbeinghauledafteritwasusedtomowthechurchx19slawnx14unlessoneonlymowedthelawnoftheparsonage.Coveragewasmuchbroaderinthe1991editionoftheISOHO-3.Aslongasapersonusedalawnmowertosometimesservicehisherownpremisesheorshewouldbecovered.BillWilsonisdirectoroftheBigx1cIx1dVirtualUniversity.ThisquestionwasoriginallysubmittedbyanagentthroughtheVUx19sAskanExpertService.AnswerstoothercoveragequestionsareontheVU.Forhelpaccessingthewebsiteemaillogoniiaba.nettorequestlogininformation.