Question

Would a 12 foot kayak be considered automatically as covered watercraft under section 2 of a homeowners policy?

1) Yes
2) No
3) Cannot be determined

Answer 1

Without reviewing the specific terms of a homeowners insurance policy, it cannot be determined if a 12-foot kayak is automatically covered as a watercraft under section 2 of that policy.

Step-by-step explanation:

To determine whether a 12-foot kayak would be automatically considered as covered watercraft under section 2 of a homeowners policy, one must refer to the specific terms and conditions outlined in the policy. Generally, homeowners insurance policies may include coverage for small watercraft, but there are typically size, horsepower, and type restrictions. Importantly, coverage can vary greatly between different insurance carriers and individual policies.

Therefore, the answer to the question is 3) Cannot be determined without reviewing the particular homeowners policy in question. For a definitive answer, one should read the policy's declarations and exclusions sections regarding watercraft or consult with their insurance agent or a legal professional.