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Coverage on an all risks basis for physical damage loss. Coverage applies to property damage to the insured boat or damage caused by the insured boat to a third party boat. Excluded perils are war damage, use of boat in a race or speed contest, nuclear loss, and so forth. Bodily injury liability coverage is excluded from this policy since the operator of the boat would be covered for this risk under a comprehensive personal liability insurance policy, homeowners insurance policy, or tenants insurance.