Do landlords need to classify vehicles used for the rentals as business use?

[Corey G.]

I've been a property owner for about 13 years now. I just bought a new cargo van and I previously had a pickup truck I replaced. My pickup was under my insurance for personal use but when I added the cargo van, I put it down for business use. After talking this over with some insurance brokers, I'm not sure it needs to be classified as business use. To clarify, my properties are not currently in LLCs or any other structures, just solely in my name. I do not have a business license and my rental income is considered passive. Since I own these properties (and the home I live in), I was explained by the broker that when I visit my properties, even to do repairs or haul appliances, I'm essentially just transporting tools/appliances from one of my properties to another one of my properties (not a business). It's like I'm working on my own personal house, or hauling appliances from home depot to my house and neither of those examples would be business use. Essentially, because my van is not registered to business license or LLC, and the income is not active business income, then the vehicle could be classified as personal use. The logic makes sense to me but what does everybody think of this and what do you have your insurance use as? Additionally, I have a car that I sometime use to show the properties & sign the leases. I don't really consider this business use either but should I?