Which type of coverage includes vehicles like snowmobiles and motorboats?

The coverage that includes vehicles such as snowmobiles and motorboats is classified under recreational lines. This type of coverage is specifically designed to protect recreational vehicles, which encompass a variety of motorized options that are not typically used for regular transportation but rather for leisure and recreational purposes.

Recreational lines target the unique risks associated with these types of vehicles and provide specific protections, ensuring that policyholders have coverage tailored to the activities and environments these vehicles operate in. This includes liability coverage for injuries to others or damage to their property, as well as physical damage coverage for the vehicles themselves.

In contrast, commercial lines are aimed at businesses and could cover equipment or vehicles used for business purposes, while personal auto policies are specifically focused on automobiles used for personal transportation. Residential coverage deals with property related to homes and personal property within those homes, which does not apply to vehicles like snowmobiles and motorboats.