Personal Watercraft Insurance

What Is Personal Watercraft Insurance?

Personal watercraft insurance protects jet skis, wave runners, and similar recreational watercraft. It covers physical damage to your watercraft and provides liability protection for injuries and property damage you may cause while operating it on the water.

Why You Need Personal Watercraft Insurance

• Required by marinas and launching facilities
• Mandatory by lenders if you finance your watercraft
• Protects your investment from damage, theft, and total loss
• Covers liability for injuries to other boaters and swimmers
• Provides on-water towing and assistance

Common Coverages

Physical damage coverage protects your watercraft from collisions, sinking, fire, theft, and vandalism. Liability coverage pays for injuries and property damage you cause while operating your watercraft. Medical payments coverage handles injuries to you and your passengers. Uninsured boater coverage protects you when another operator has no insurance. Trailer coverage protects the trailer used to transport your watercraft. On-water towing provides assistance when you break down.

Does My Homeowners Policy Cover My Jet Ski?

Homeowners policies provide very limited coverage for personal watercraft, typically only for theft while at your residence. They don't cover liability while operating on water or physical damage from accidents. A dedicated personal watercraft policy ensures comprehensive protection.