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Yes. In Colorado a trailer would be covered under the auto insurance policy. If you have a fifth wheel or camper I would recommended and insurance policy by itself on it.
It depends on the terms of the policy, but it's really unlikely that an insurance policy would cover illegal activity.
In my opinion it does cover theft. To be sure I would call the insurance company of my choice and ask them about their policy.
What does the brochure or policy Evidence of Coverage for the secondary policy say?
If the car that was involved, in an acident was insured yea!
That would depend on the wording of your policy.
No. An insurance policy cannot be issued to pay for an accident that already happened. Why in the world would you think that an insurance company would take on a claim that happened before you purchased the policy.
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for.If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.
No. Your friend is most likely not a named insured on your homeowners insurance policy. Your homeowners insurance policy is specific to you and your property. It would also not cover the losses of a tenant.
If you have wind and hail coverage on your policy and the detached garage is a covered structure on that policy then Yes, your policy would cover the damages.
Possessions are things you own. Thus in its simplest for 'possessions insurance' would be an insurance policy that you would need to purchase to cover the replacement of all or some of your possessions should they be lost, broken, stolen or destroyed by fire or flood. Normally such a policy would refer to the contents of your home (household or contents insurance - the building itself would need to be covered by a separate insurance policy) but the policy may also cover specified items (or items up to a maximum value) that you may have with you when you are out of your house. A special form of possessions insurance is needed for the things you take with you when you travel abroad, and this 'Travel insurance' would also cover medical emergencies when you are abroad.
No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.