An insured's inboard-powered motorboat injures a swimmer while the insured is at the helm. Section II of the homeowners policy:
Explanation
Section II excludes liability arising out of most watercraft an insured owns or operates, inboard-powered boats among them, so the swimmer's claim belongs on a boatowners or yacht policy. The answer resting on the insured being at the helm has it backwards: operating the excluded craft is the very situation described. That the boat is personal property under Section I says nothing about liability.
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