An insured has a Personal Auto Policy (PAP) to cover his automobile and travel trailer and an HO-3—Special Form (HO-3) policy for his home. While on vacation, he unhitched the trailer at a campground for a one-week stay. During the middle of the week, a visitor was injured when an awning on the trailer fell on his head. The visitor made a claim against the insured. Is this a covered claim under the HO-3 policy?
No, because the awning is not a part of the trailer.
No, because the trailer is a defined motor vehicle under the HO-3 policy and therefore subject to a liability exclusion.
Yes, because a trailer that is not being carried on, towed by, or hitched for towing by a motor vehicle is not subject to the motor vehicle exclusion.
Yes, because a trailer cannot be a motor vehicle under the motor vehicle exclusion.