asking questions of others isn't a particularly effective way to find out if YOU are covered . . . . insurance vaires wildly by state, town, individual . . . . there's no reason to NOT contact your agent . .. .and, remember, agents pay is tied up with your continued purchasing of their policies . . . .I've had "iron clad" decisions reversed a couple of times when I mentioned how disappointed I was, and how I knew such and such company would do better.
Call your agent.
Or read the poilcy (I'd call, because the poilicy is not in English).
Searching for the immaculate contraption