Which of the following would be covered under the HO policy of liability?

The homeowners (HO) policy typically covers personal liability for activities that occur on the insured premises or due to the use of covered property. In the case of the golf cart used to play golf on premises, it is important to note that the homeowners policy provides coverage for liability arising from the use of certain types of vehicles that are not licensed for road use, so long as they are used primarily on the residence premises.

The golf cart is seen as a recreational vehicle that would fall under this category when utilized in a context such as a golf course or within the immediate vicinity of the insured property, aligning well with standard liability coverage found in HO policies.

In contrast, the other options either involve scenarios that are generally excluded from standard coverage or would not typically be covered by a homeowners policy. For example, the unlicensed recreational dirt bike would not be covered as it is used off the premises and typically requires specific types of insurance. The motorboat, while it may be insured elsewhere, usually requires its own policy due to the specific liabilities associated with boats. Lastly, the antique car used in a parade would likely need to be insured under an auto policy, as it is designed for use on public roads, which is outside the scope of a homeowners policy.