What type of vehicle would NOT be covered under a homeowners policy?

A homeowners insurance policy typically provides coverage for personal property and liability associated with the home and its premises. However, it has specific exclusions for certain types of vehicles.

Motorcycles generally do not fall under the coverage of a standard homeowners policy due to their classification as motor vehicles. Coverage for motorcycles is usually addressed through specialized motorcycle insurance policies, which are designed to provide liability and collision coverage specifically for two-wheeled motor vehicles.

On the other hand, a tractor used for mowing lawns, a golf cart, and a truck used for personal errands may be covered under certain conditions. For example, a golf cart might be covered if used for recreational purposes and within the vicinity of the insured property, as long as it is not licensed for street use. The tractor could be considered personal property if it is used solely for gardening or landscaping on the homeowner's property, and personal use of a truck for errands typically falls under the umbrella of personal property covered in homeowners policies, provided it is not used for commercial purposes.

Therefore, the motorcycle is the type of vehicle that would not be covered under a standard homeowners policy, making it the correct answer.