State Farm Fire & Casualty Co. v. Johnson

The question presented in the instant appeal is whether coverage exists under appellee Johnson’s homeowners policy for injuries and damage arising out of the operation of Johnson’s Yamaha Wave Runner. The instant policy provides that personal liability coverage does not apply to bodily injury or property damage arising out of the ownership, maintenance, or use of a watercraft “designated as an airboat, air cushion, jet ski or similar type of craft.”

In July 1988, Johnson purchased two Yamaha Wave Runners. In October 1988, one of Johnson’s Wave Runners was involved in an accident causing…