Homeowner's Insurance: They have an HO3 policy for $195,000. The deductible is $250 and they have no endorsements.

Bill rented a 200 horsepower jet ski and while skiing his wife was taken to the emergency room with an injury. Bill saw the ambulance load Madelyn and while staring he skied into a boat causing damage to the ski, the boat, and to Bill. The boat owner had minor medical injuries.

Bill's collision with the boat caused $1,200 damage to the boat of the other party and $200 in medical expenses to the other party.

Discuss any coverage provided or issue presented by the homeowner's policy.

As I understand it, homeowner's policy is limited coverage up to $1,500 for boats and only covers boats that are fully enclosed in a building. So since this was an accident outside of an enclosed building, insurance will not cover the boat damage but after paying the $250 deductible insurance will cover the $200 medical expense to the injured party up to $195,000?