Jet Ski Insurance
Protection for personal watercraft and jet skis.
Typical cost: $200 – $800 per year
Jet Ski & PWC Insurance
Personal watercraft (PWC) like Jet Skis, WaveRunners, and Sea-Doos require insurance in many states. Their high speeds and maneuverability make liability coverage essential, and theft rates warrant comprehensive protection.
Standalone vs. Endorsement
You can often add PWC coverage to a homeowners policy or boat policy, or purchase standalone PWC insurance. Standalone policies may offer better coverage but cost more.
What's covered
Liability Coverage
Essential for high-speed watercraft causing injuries.
Physical Damage
Covers collision, theft, and vandalism damage.
Medical Payments
Covers injuries to you and passengers.
Trailer Coverage
Protects the trailer used to transport your PWC.
On-Water Towing
Covers tow fees if you break down on the water.
Tips
- • High liability limits recommended due to speed and injury risk
- • Anti-theft devices help with comprehensive premiums
- • Complete a boater safety course for discounts
- • Store securely—PWCs are prime theft targets
- • Consider multi-watercraft discounts for multiple PWCs
Other boat insurance types
Sailboat Insurance
Coverage for sailing vessels of all sizes.
Pontoon Boat Insurance
Insurance for pontoon boats and leisure craft.
Yacht Insurance
Comprehensive coverage for yachts and large vessels.
Fishing Boat Insurance
Coverage for fishing boats and equipment.
Kayak & Canoe Insurance
Affordable coverage for non-motorized watercraft.
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