9.4 Watercraft Exclusions

• Jurisdiction: Arizona

Standard homeowner policies exclude coverage for liability arising out of the use of watercraft. A typical watercraft exclusion reads:

Coverage E - Personal Liability and Coverage F - Medical Payments to Others do not apply to "bodily injury" or "property damage":

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g. Arising out of:

(1) The ownership, maintenance, use, loading or unloading of an excluded watercraft described below:

(2) The entrustment by an "insured" of an excluded watercraft described below to any person; or

(3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described below.

Excluded watercraft are those that are principally designed to be propelled by engine power or electric motor, or are sailing vessels, whether owned by or rented to an "insured." This...