Personal Effects

means:

1. personal property belonging to you, a family member, or your guests, specifically including:
1. wearing apparel; and
2. sports equipment;
2. but only while your watercraft is afloat;
3. and only while the property is:
   1. on board your watercraft; or
   2. being carried on and off your watercraft

However, personal effects do not include:

1. money
2. jewelry
3. travelers checks
4. securities
5. valuable papers & documents
6. unattached equipment & accessories