This depends entirely on the policy and will have to be answered by the Insurance company.
There are all different types of coverage for an auto policy as well as different limits of coverage. Some limits and types of coverage are required by law and other amounts and types of coverages are up to the individual owner of the policy.
It depends on the wording/coverages of the contractors policy.
The policy owner, usually the Primary named insured, can add or remove people and coverages from the policy they purchased as their coverage requirements change.
Dwelling, Other Structures, Contents, Personal Liability and Medical Payments to Others
If you have a policy, then it should. Some coverages will be limited since you do not live there such as personal property.
It depends on the state but the disclosures will usually be spelled out in your policy. Most state insurance departments require that they provide full disclosure of policy coverages and exclusions in your policy.
Check your policy for specific coverages. In general, she can drive the vehicle, but is not the primary insured person. This means that she MAY not get 100% of the coverage. Your policy will have the answer. If you can't find it or don't understand the policy call your agent.
Typos are not uncommon on an insurance policy. Such a typo has no effect on the coverages provided. Of primary concern is the Intent of the policy. If you have such an error you should contact your insurer to have the error corrceted.
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Your policy may have coverages that will cover your losses, call your claims department to verify.
Your coverages will apply while the policy is in force.
Check your policy for the extended coverages of wind and hail storms. If you have it then yes you will be covered for tornado damage.