Homeowners personal liability generally excludes motor vehicles. Registered road vehicles, such as a car or a motorcycle ridden to work, belong under an auto policy. The exclusion has narrow exceptions for low-risk uses. Two classic ones:
a golf cart used to play golf on a golf course
an owned recreational vehicle that does not have to be registered, but only while it is on an insured location
Example: Tyler drives his unregistered ATV and injures a friend twice, once on his insured location and once on a public desert trail. Only the accident on the insured location is covered. Being unregistered opens the exception, but it does not extend coverage to a public trail.
The exclusion reaches more than driving. It also applies to claims that an insured negligently entrusted an excluded vehicle to someone or failed to supervise that person. If Mei lets her reckless son use her registered car and a cyclist sues her for negligent entrustment, her homeowners policy does not apply. Relabeling an auto accident as a personal mistake does not move it to the homeowners policy.