What type of coverage can boat owners acquire beyond their unendorsed homeowners policy?

The correct answer involves the type of coverage offered to boat owners beyond what is typically provided by a standard homeowners policy. Homeowners policies generally cover personal property and liability but often come with limitations when it comes to larger items like boats.

When considering options beyond the standard coverage, boat owners can seek specialized policies that offer broader protections specifically designed for watercraft. This includes coverage for the boats themselves and their motors, which can be damaged during use or storage, as well as specific marine-related incidents.

The type of coverage that is typically available and necessary for boat owners beyond the standard homeowners policy includes both the boats and motors. This ensures that they are adequately protected against risks such as theft, damage, or liability that may occur while out on the water or during periods of storage.

Therefore, the option that correctly identifies the type of coverage available to boat owners beyond the standard unendorsed homeowners policy is specifically tailored for boats and motors. This reflects the importance of having appropriate insurance that fully covers the unique risks associated with boating activities.