When are watercrafts covered under insurance policies?

Watercrafts are typically covered under insurance policies when they meet specific criteria, which often include their size and usage. In many cases, insurance policies provide coverage for personal watercrafts that are under a certain length, commonly around 26 feet. This length specification reflects a standard limit in the industry for insuring smaller vessels under personal insurance policies. When the watercraft is borrowed, it may be covered under the owner’s policy, provided that it falls within the covered parameters, including size.

The other options focus on criteria that generally do not apply universally in the insurance context. Registration is often a requirement for legal operation rather than for coverage itself, and commercial use typically demands specific commercial insurance policies rather than personal coverage. Storing a watercraft in a garage may mitigate risk but does not inherently determine whether it is covered under an insurance policy. Therefore, option B aligns with common coverage practices for watercrafts in insurance.