Whether you ride a Jet Ski, WaveRunner, Sea-Doo, or another type of personal watercraft, the right insurance can help protect you both on and off the water. Personal watercraft insurance is designed to address risks that may not be covered by a standard homeowners or boat insurance policy.

Coverage for Your Time on the Water

A personal watercraft insurance policy may offer protection for:

Physical Damage: May help pay to repair or replace your personal watercraft following a covered loss, such as a collision, theft, fire, or vandalism.

Liability: May provide protection if you are responsible for injuring another person or damaging their property while operating your watercraft.

Medical Payments: May help with certain medical expenses if you or a passenger is injured in a covered accident.

Uninsured or Underinsured Watercraft: May provide protection if you are involved in an accident with an operator who has insufficient insurance.

Trailer and Equipment: Coverage may be available for your trailer, safety equipment, and other accessories used with your personal watercraft.

Towing and Emergency Assistance: Some policies offer assistance if your personal watercraft becomes disabled while on the water.

Coverage options, limits, deductibles, and exclusions vary by policy and insurance company. Your agent can help you review the available choices and select coverage based on how and where you use your watercraft.

Why Consider Personal Watercraft Insurance?

Personal watercraft are smaller than traditional boats, but they can still be involved in collisions, injuries, theft, and property damage. Your homeowners insurance may provide little or no protection for these risks, especially while the watercraft is being operated.

Insurance may also be required by a lender, marina, or storage facility. Even when it is not required, a separate policy can provide valuable financial protection while you are riding, transporting, or storing your watercraft.

Insurance That Fits the Way You Ride

The appropriate policy will depend on factors such as the type and value of your watercraft, where it is used, who operates it, and how it is stored during the off-season. An independent insurance agent can help you compare options and identify coverage suited to your needs.

Contact our team today to learn more about personal watercraft and Jet Ski insurance or to request a customized quote.

Frequently Asked Questions

Is personal watercraft insurance required?

Insurance requirements vary depending on your location, lender, marina, or storage facility. An insurance agent can help you understand the requirements that may apply to you.

Does homeowners insurance cover a Jet Ski?

Homeowners policies may provide limited coverage or exclude certain personal watercraft risks. Review your policy with an agent to understand what is included and whether separate insurance should be considered.

What affects the cost of personal watercraft insurance?

Pricing may be influenced by the watercraft’s type, age, value, horsepower, storage location, operators, selected limits, deductible, claims history, and available discounts.