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Jun. 6, 2007
 How does the homeowners policy treat motorized bicycles, both section 1 and section 11?
Wayne, Michigan
Dear Wayne,
If you are talking about a vehicle that is designed for on-road use, such as a moped, it will not be covered under your homeowners policy. A spokesperson at your insurance company, Wolverine Mutual Insurance, tells me that such a vehicle would normally be insured under a motorcycle policy. For more information see our story Insuring your motorcycle.
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