Peter belongs to a model yacht club and owns a radio$-$controlled model yacht that he races on weekends. If he loses control of the yacht, it could conceivably collide with another yacht or injure a spectator. Peter will have liability coverage for this yacht if he is the named insured under

a$.$ a $2011$ homeowners policy but not a $2022$ homeowners policy.

b$.$ a $2022$ homeowners policy but not a $2011$ homeowners policy.

c$.$ either a $2011$ homeowners policy or a $2022$ homeowners policy.

d$.$ neither a $2011$ homeowners policy nor a $2022$ homeowners policy.