No. Personal auto policies don't cover business or commercial exposures. Some companies do offer an endorsement to allow your existing policy to extend coverage to this operation. Call us for more information about available coverages.
No. Only if you add that coverage to your policy. Cargo can be set at the proper amount you haul in your vehicle to cover in case of an accident, theft, and more.
No. It is only covered by endorsement with specific limits. Some companies have a separate limit each for dwelling and contents.
Sometimes, depending on the company. Some companies offer an automatic limit, but you need to make sure its enough to cover your accessories. Companies generally offer to endorse the additional amounts.
Yes, if you have mechanical breakdown coverage on your policy. Some policies offer it in a package, while others have to be endorsed.
Yes, unless you have an excess limits policy or "umbrella" with a high enough limit to cover the loss.
For the term chosen, such as 15 or 20 years, at the end of the term, you are required to apply for another policy at your attained age. Premiums also remain level during the term of the policy.