Does home insurance cover my liability in terms of boats, golf carts, or other similar recreational equipment?

It covers losses arising from ownership or non-business use of:

  • Trailers (except if attached to a vehicle)
  • Small boats (16 hp outboard, 50hp)
  • Sailboats up to 26'
  • Golf carts on a golf course or in a gated retirement community in Canada
  • Self-propelled lawnmowers, snowblowers, garden tractors (25hp max) used mainly on your own property
  • Motorized wheelchairs (two wheels or more, for disabled persons)

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