No. Automobiles can only be covered by automobile policies. //
Yes, Garages both attached and detached are typically covered structures under your homeowners insurance policy.
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.
My initial thought on this is that the sprinkler line would be covered as it is attached to house and was damaged by a tree being blown over by wind. That is unless you happen to have an insurance policy that excludes wind damage which is not uncommon in hurricane prone areas.
If the want to drive their parents care legally - yes !
It should be "Please find attached my husband's insurance card".
A trailer is not covered under a homeowners policy whether or not it is used for work. You need to purchase a seperate policy to cover this type of property for physical damage coverage. While it is being towed and attached to a vehicle the laibility coverage from the vehicle extends to the trailer so if you back it into someone's car the towing vehicle's liability insurance will pay for the damage done to the other person's car.
The fence is covered. If the fence is attached to the house then it is considered part of the dwelling. If it is not attached to the house then it is considered part of other structures. In either case coverage depends completely on whether or not the damage was because of a covered cause and that it exceeded the deductible enough to justify making a claim.
In Ontario, an endorsement to a standard automobile insurance policy is called an Ontario Policy Change Form (OPCF). To my knowledge, there is no such thing as OPCF 21D, although there is an OPCF 21a and OPCF 21b, which both deal with the reporting of automobile fleets, so they are not particularly relevant for the average consumer. There are numerous other more common OPCFs, which typical consumers are likely to see attached to their automobile insurance policy, but may not truly understand. For more information on specific OPCFs, one would be best advised to speak with a licensed insurance broker.
1960 was the year of Hurricane Donna. It is the only hurricane on record to sustain hurricane force winds in Florida, the mid-Atlantic states and New England, if the site at the attached link is accurate.
Other Structures typically covers detached structures such as garages, storage sheds, and fixtures attached to the land including fences, driveways, sidewalks, patios, and retaining walls. Detached structures used for business purposes are not covered under a personal home owners insurance policy.