Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Which vehicle is covered under the Liability section of the Homeowners Comprehensive policy?

1. A car with expired registration

2. A motorized wheelchair

3. A motorcycle

4. A trailer not attached to a vehicle

The correct answer is: A motorized wheelchair

The Liability section of a Homeowners Comprehensive policy generally provides coverage for certain liabilities associated with property owned by the policyholder or incidents occurring at their residence. A motorized wheelchair qualifies as personal property that is often used within the home environment and could lead to liability for bodily injury or property damage if not operated safely. In contrast, vehicles like cars, motorcycles, and trailers are typically covered under separate auto insurance policies. An expired registration does not impact the liability coverage within a homeowners policy, but vehicles that are conventionally registered for road use — such as cars and motorcycles — are usually excluded from homeowners insurance liability coverage. Therefore, the correct answer reflects the nature of liability coverage focusing on everyday personal property, which is why the motorized wheelchair is the appropriate choice.