Josh Jones is insured under a Homeowners Form HO-3, with $50,000 in coverage on the dwelling and standard amounts on all other coverages. Jones borrows a neighbor’s camping trailer and while attempting to back it into his garage, hits the garage door. The damage to the borrowed trailer is $425 and to the garage door, $300.

Unfortunately, the neighbor is an impoverished college student and does not have any insurance on the trailer.

Indicate, with reference to the specific policy provisions applicable, whether Jones’s policy will apply to the trailer and to the garage.