Thousands of miles of rivers and lakes are definitely a highlight in Idaho. From extreme whitewater rafting to world-class fishing, there’s a water adventure for every desire in Idaho. Whether you use your Jet Ski to play in the waters of Lake Pend Oreille or you take your WaveRunner to Twin Lakes every summer, you may want to consider finding PWC insurance to protect yourself and your property. Before you search for quotes, however, keep the following in mind.
According to the U.S. Coast Guard, the following took place in Idaho in 2012:
Chances are you have invested much into your personal watercraft and you'd rather not have that sink, along with your PWC, should an accident take place.
PWC insurance not only protects your craft in the event it is damaged, but it can also protect your savings and assets should someone sue you for causing injury to another boater or swimmer. You wouldn't go power boating in unknown waters without a life vest, and neither should you operate your PWC without the protection of a comprehensive insurance policy.
Although PWC insurance is not legally required, it's still a good idea to protect yourself. While ID statutes are silent on PWC insurance, they do set forth guidelines you should follow while operating your craft.
ID law requires boater education under these circumstances:
Most Idaho insurance companies offer protection for a variety of watercraft, including, but not limited to, the following types and brands:
The majority of Idaho insurance companies offer the following types of coverage options for your PWC:
You can usually personalize your policy by increasing the amount of coverage or by adding additional endorsements such as extra liability coverage that would protect you from paying the costs of a lawsuit in the event someone sues you.
The average annual quote for PWC coverage can be anywhere from $150 to $500 for a basic plan. The quotes you receive for PWC insurance depend on a number of factors. Most Idaho insurance companies will take the following into account when determining your quotes:
Additionally, your PWC insurance rates will depend on the amount and type of coverage you choose. Quotes for a basic insurance policy that only covers collision damage will be much lower than quotes for a comprehensive policy that covers you for liability, theft or weather damage to your PWC.
Don't let your pleasure boating be hampered by lack of insurance coverage. Independent insurance agents of the Trusted Choice® network are always here to help answer any questions you may have about PWC insurance, suggest coverage options and even help you file a claim. Their years of experience working with Idaho insurance providers enable them to find you a variety of quotes from a number of insurance providers.
Contact a Trusted Choice agent in your area to find out how you can start hitting the waves with the protection of PWC insurance.