Personal Watercraft Insurance

Before you take your jet ski or waverunner out for a spin, you’ll want to have it insured with a separate personal watercraft policy. This will protect you, others and your vessel.

Insurance coverage for the protection of you and others includes bodily injury, property damage, medical payments, uninsured and underinsured boaters and guest passenger liability.

Physical damage to your watercraft includes theft, collision, vandalism and damage caused by uninsured and underinsured boaters.

Optional coverages can include trailer coverage, fishing gear coverage and on water towing.

Check with your state to see what liability is required. Also shop and compare policies carefully. Policy inclusions, exclusions, coverage limits and deductibles can differ widely between insurance companies.

Steve Wyrostek -BoatInsurance.org Expert A 20 year plus veteran of the insurance industry, Steve managed departments in the personal and commercial lines areas of major insurers. He’s familiar with how insurance—ranging from boat to workers compensation—works.