Get an old aluminum 12' rowboat with two 6 1/2' wood oars for like $350, clean and paint, and just leave it there for the renters and you to use ...... no motor ..... covered by standard home owners insurance ....if wanted, a separate policy specific to a 12', no motor, oar powered row boat costs maybe $50/yr .....no annual NH registration required.....and just flip it upside down for winter storage. Best $350 you ever spent.
Waukewan is home to the Winnipesaukee Rowers,
www.rowwinni.org, mostly woman rowers, so there's lots of early morning rowing happening there.
Rowing does good things for you ...... motor boating will make you fat ..... rowing will make you thin and strong!