97. Which watercraft owned by the insured would have automatic liability coverage under a homeowners policy
Answer: D
A 12 foot kayak
Automatic liability coverage under a homeowners policy typically extends to certain types of watercraft, and a 12 foot kayak falls within the limits of coverage provided for small, non-motorized boats.
A) A 28 foot sailboat
A 28 foot sailboat is generally too large and is considered a significant vessel, which would typically require a separate boat insurance policy for liability coverage. Homeowners policies do not usually extend automatic liability coverage to larger watercraft.
B) A boat with a 40 horsepower inboard motor
A boat equipped with a 40 horsepower inboard motor exceeds the horsepower limitation set by many homeowners policies for automatic coverage. Therefore, it would not be automatically covered under a standard homeowners policy.
C) A boat with a 40 horsepower outboard motor
Similar to option B, a boat with a 40 horsepower outboard motor also exceeds the typical horsepower limits for automatic coverage under a homeowners policy. This type of motorized boat would require a separate insurance policy for liability protection.
D) A 12 foot kayak
A 12 foot kayak is classified as a small, non-motorized watercraft. Homeowners policies usually provide automatic liability coverage for such small boats, making this option correct.
Conclusion
The 12 foot kayak is the only option that qualifies for automatic liability coverage under a homeowners policy, as it meets the criteria for size and motorization. All other options involve larger or motorized watercraft that fall outside the automatic coverage parameters, necessitating separate insurance policies for liability.