Arizona Adjuster Practice Exam

In an HO 3 policy, which of the following is included in the definition of "motor vehicle"?

1. Trains

2. Self-propelled lawn mowers

3. Bicycles

4. Segways

The correct answer is: Self-propelled lawn mowers

In an HO 3 policy, a self-propelled lawn mower is included in the definition of "motor vehicle" because it is a type of motorized equipment designed for transport, which aligns with the typical characteristics used to define motor vehicles within homeowners insurance policies. The classification of motor vehicles broadly includes machinery that is self-propelled and often used for transport purposes, even if they are not conventional vehicles like cars or trucks. The other options do not fit the definition as consistently. Trains, while they are motorized, do not belong in the context of personal property coverage typically addressed by HO 3 policies. Bicycles and Segways, despite being modes of transportation, either do not fit the definition of motor vehicles within the context of an insurance policy or are often treated separately under specific classifications. Therefore, self-propelled lawn mowers are the most fitting choice within the context of the question.