California is one of the busiest states when it comes to boating and water activities. With over 1,400 different boating locations, there's a body of water sure to fit everyone -- personal water craft included.
So it's no surprise that come Friday afternoon, the lakes and rivers start buzzing with activity. As the weekend progresses, you can hear jetskis zooming by and trolling motors humming, and you might even see rafts navigating the rapids. Even during the winter months, there are boaters on the water.
There are almost a million boats registered in California, and with such a high number of boats on the water, accidents are common. An accident involving a PWC can get serious quickly, which is why having PWC insurance in place is critical.
With such a high number of accidents and fatalities in CA, having PWC insurance in place is one way to protect yourself and your family from the financial disaster an accident can cause.
PWC insurance is a set of policies put together in order to offer PWC users protection from some of the most common incidents that occur while on the water. A typical PWC insurance policy may include the following:
With such a huge number of PWC riders in California, insurance companies know that not all jetskis are equal. There are different coverages for different types of PWCs. Below is a list of the most common PWCs that can be covered:
You may own one of these types of PWCs, or you may own a different type not shown this list. In order to get adequate coverage for your PWC, it's a wise idea to speak with an agent.
PWC insurance rates vary greatly depending on a number of factors. A typical PWC insurance policy may cost anywhere from $150 to $500 per year. When you decide to start shopping for PWC insurance either online or in person, make sure to be aware of the following:
All of these factors, plus more, will be used in order to give you a quote that will cover you and your PWC.
Insurance expenses may be high in CA, however, discounts are usually available to help make coverage more affordable. The following are some of the most common types of discounts on PWC insurance:
Each insurance company offers different discounts, so be sure to ask about any discounts you may be eligible for.
Purchasing PWC insurance in California is easy. However, having the right coverage is critical to being adequately protected. A Trusted Choice® agent is always available to assist you in finding coverage, suggest policy modifications, or even help you file a claim. Trusted Choice agents are committed to finding you the best coverage at the right price.