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 12-17-2016, 15:58 Post: 24544
Norm



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 re: homeowner insurance

JeffM, I am in NY too and went around and around trying to get the straight word on whether it is covered or not. There is a clause in the NYS policy that says something to the effect of 'equipment for personal use and maintenance of the residence that is not covered by DMV regulations'. The point of contention is, apparently, that no one will commit to what that means exactly. Some read it as long as the machine is not registered it is covered, some read it to mean that as long as the machine CAN be registered it is not covered because if you take it on the road it is governed by DMV regs. A riding lawn mower, for example, cannot be registered even if you wanted to. My agent recommended the first interpretation and dealing with it in court when the time comes, if necessary - just don't get someone hurt with it off your property or you'll be scr**ed. Let me know what you find out about registering it - DMV and insurance costs. That was the next step that I just never got around to. Another alternative is contractors' insurance but that is hellishly expensive if you aren't making money with the machine.






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