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

Under Section 2 of a homeowners policy, a 12-foot kayak is indeed considered as covered watercraft. Homeowners insurance policies typically provide liability coverage for specific types of watercraft, which often includes non-motorized vessels like kayaks, canoes, or similar small crafts. It’s important to note that the size and type play a crucial role in determining whether such items are automatically included as covered watercraft.

Generally, most homeowners policies automatically cover small, non-motorized watercraft used for recreational purposes. In the case of a kayak that is 12 feet long, it falls within the category commonly recognized as a covered item without the need for additional endorsements or special conditions. This means that as long as the kayak is used in a manner typical for personal enjoyment, such as recreation, it would generally enjoy some level of coverage under the homeowners policy.

Coverage could include liability protection if someone is injured while using the kayak or if it causes property damage to another person. Thus, the full coverage status applies without any further stipulations about how or where the kayak is stored, as long as it meets the basic requirements outlined in the policy terms.