Gentlemen,

Please allow me to quote from a HO3 insurance policy (typical Homeowners);

Liability Exclusions
(Section II)
1. Coverage E - Personal Liability and Coverage F - Medical Payments to Others do not apply
to bodily injury or property damage:
g) arising out of the ownership, maintenance or use of; entrustment or the negligent
supervision by an insured of; or statutorily imposed liability on an insured related to the
use of:
(3) a watercraft owned or operated by, or rented or loaned to an insured:
(a) if the watercraft has inboard or inboard-outdrive motor power of more than 50
horsepower.
(b) if it is a sailing vessel, with or without auxiliary power, 26 feet or more in overall
length.
(c) while rented to others.
(d) while being used to carry persons or property for a fee.
(e) while being used without an insured's permission.
(f) while being used in an official race or speed test. This exclusion does not apply to
sailboats.
(g) if it is an airboat, air cushion or similar type watercraft.
This exclusion 1.g)(3) does not apply:
(1) while the watercraft is stored.
(2) to bodily injury to any residence employee arising out of and in the course of
employment by an insured

Thanks for your time.