Our insured purchased a motorized surfboard called a Lift eFoil. There seems to be confusion as to whether this would be covered under the homeowner liability. The insurance company "isn't sure". When we call companies who insure watercraft, they don't have a product to insure it. Does the homeowner liability provide coverage for a motorized surfboard?

New York Subscriber

You have an interesting question. An eFoil has a propeller and motor and can go up to 30 miles per hour. They weigh between 35 – 65 pounds and generally cost $10-12,000. Your insured may want to consider scheduling it. You could add it to the HO 04 61 Scheduled Personal Property under other property. The HO 04 65 Coverage C Increased Special Limits of Liability has been updated as of March 2022, and the new form allows an insured to increase the special limits on watercraft; the May 2011 version does not.