Your Property

means:

1. your watercraft
2. your motor
3. your trailer
4. unattached equipment & accessories; and
5. personal effects

Your Watercraft means:

1. the watercraft indicated in the policy declarations; and
2. a watercraft 26 feet or less in overall length, if you:
1. acquire it during the policy period; and
2. notify the insurance company within 30 days after you become the owner; and
3. use it only for private pleasure

Your Motor means:

1. the motor indicated on the policy declaration page;
2. a watercraft motor, if you:
1. acquire it during the policy period; and
2. request coverage on it within 30 days after you become the owner.

Your Trailer means:

1. the trailer indicated on the policy declarations
2. a watercraft trailer if you:
1. acquire it during the policy period; and
2. notify the insurance company within 30 days after you become the owner.

Unattached Equipment & Accessories means:
All detached or easily detachable equipment and accessories used in your watercraft's maintenance or use and operation, including:

1. oars
2. oar locks
3. paddles
4. anchors
5. life preservers
6. extra fuel
7. lines
8. fire extinguishers
9. seat cushions
10. flares
11. horns
12. flags
13. battery chargers
14. pumps &equipment
15. remote controls
16. navigation aids
17. tarpaulins & covers
18. containers
19. portable running lights
20. tie ropes
21. boarding ladders
22. convertible tops
23. battery boxes
24. batteries
25. flag staffs

While they are:

1. on board Your Watercraft;
2. being carried on or off Your Watercraft; or
3. being transported over land to or from Your Watercraft.

Personal Effects means:
personal property belonging to you, a family member, or your guests, specifically including:

1. wearing apparel; and
2. sports equipment;
1. but only while your watercraft is afloat;
2. and only while the property is:
• on board your watercraft; or
• being carried on and off your watercraft

However, personal effects do not include:

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