Is a motorized golf cart used by a retired homeowner considered a covered vehicle under Section 2 of a homeowners policy?

A motorized golf cart used by a retired homeowner is not typically considered a covered vehicle under Section 2 of a homeowners policy. Section 2 usually focuses on personal liability and medical payments arising from accidents that happen on the insured's property or due to personal acts.

Vehicles like golf carts are generally classified under specific policies tailored for motor vehicles. Homeowners policies usually exclude coverage for vehicles that are primarily designed for use off public roads, unless they meet certain criteria such as being registered and insured. Since typical use of a golf cart does not fit into the covered scenarios, and it doesn't generally fall under the policy's definitions of covered vehicles, it leads to the conclusion that it is not covered.

Thus, the response that indicates the golf cart is not covered aligns with the provisions and intent of a standard homeowners policy, which excludes certain vehicles to avoid confusion with auto policies that address motor vehicle liabilities and registration requirements.