Your covered auto includes: Any owned vehicle shown in the declarations, Private passenger type autos, Pickup trucks and vans Not used in business (except farm vehicles), A newly acquired auto; Any trailer owned or hitched to a covered auto (for liability only); A non-owned rented or borrowed auto (coverage is excess); or Any auto or trailer not owned by the insured but used as a temporary substitute for a vehicle described above which is out of normal use because of its breakdown, repair, servicing, loss, or destruction.