Alabama ranks 16th in the country for number of boat registrations, and it's no surprise, considering the beautiful lakes, rivers and gulf waters available. Many of these vessels are PWCs, or personal watercraft. You can protect your PWC with a PWC insurance policy. Quotes on PWC insurance can vary widely, so it's best to get specific quotes for your particular watercraft. With PWC insurance, you can enjoy Alabama's waterways without worrying about expensive accidents, wreckage cleanup or PWC theft.
Stand up PWCs: These are the lightweight PWCs, like Jet Skis, which are fast and easy to maneuver. It's a good idea to get medical cost coverage for these, especially if you have young or inexperienced operators in your family.
Sit down PWCs: These are larger, more stable PWCs. They pose less risk of capsizing than stand up types.
Multi-person and four person PWCs: These PWCs, which include Sea-Doos, can hold up to four people and tow a skier. Liability coverage can be important for this type of PWC because of possible injury to the extra riders and skiers in a crash.
Submersible PWCs: These adventurous PWCs can dive under the water for short distances, which can pose an extra risk of injury and drowning. Liability and medical costs coverage can be important for this kind of vessel.
You can get a wide range of coverage for your PWC or opt for a simple liability policy. The type and amount of coverage you need depends on the type of PWC you own, who uses it and where you like to ride. PWC insurance is not a legal requirement in Alabama, but it can save you and your assets from the expense of an accident or loss. You may need the following types of PWC coverage:
Your quotes on PWC insurance will depend on many factors, including your experience as a boater, your age, who will operate the PWC, what kind of PWC you own and where you will operate the PWC. Most people pay between $300 and $500 per year for their coverage, but it's best to get personalized quotes from a local agent to find out what your PWC policy will cost.
A local agent in the Trusted Choice® network can help you shop around to find the right PWC insurance at the best possible price. Your Trusted Choice agent will work with many different insurance companies to find the best policies for you and your PWC.
Contact an agent right here in Alabama for the PWC coverage and quotes you need.