An outboard watercraft with 25 hp or less is automatically covered under which policy?

An outboard watercraft with 25 hp or less is automatically covered under a liability provision in a homeowner's policy. This coverage is part of many standard homeowner policies, which generally extend liability protection to various types of watercraft owned by the insured, as long as the watercraft meets specific criteria, such as having a certain horsepower limit (in this case, 25 hp or less).

This automatic coverage is beneficial for homeowners, as it allows them to have an inherent layer of liability protection without the need to purchase a separate boat insurance policy. If an accident occurs while operating the covered watercraft, the liability coverage can help protect the insured from financial losses arising from claims made by third parties.

In contrast, comprehensive boat policies typically cover a broader range of types of watercraft and may include physical damage coverage and additional protections beyond liability. Personal property policies generally do not extend liability coverage specifically related to watercraft. Umbrella policies provide excess liability coverage but do not automatically cover watercraft unless they are specifically addressed in the underlying policy. This makes the liability coverage on a homeowner policy the most straightforward choice for providing the coverage in question.