Boating is a favorite activity for residents around the United States. Every year, millions of people take to the waters in their boats to enjoy the water and sunshine.
As more people purchase boats, and the waters get more crowded, boating accidents become more frequent. Unfortunately, the majority of boaters don't carry insurance on their vessels, meaning that medical costs and repair costs may end up costing boat owners large sums of money, and open them up to the risk of a lawsuit. Boat accidents can quickly become serious. Boating insurance acts like a life preserver -- it's not there until you need it, and when you need it, it can save your financial life.
In the state of Kansas, there are boating laws for both regular vessels and PWCs. Anyone between the ages of 12 and 20 must pass a boater safety course in order to ride a jet ski alone. If the boater has not passed a boater safety course, an individual 18 or older who has passed a boater safety course must be riding on the same vessel. No one under the age of 12 may operate a PWC without an adult on the vessel. Additionally, every rider must be wearing a Coast Guard approved lifejacket at all times.
PWCs are fun, however, their increased speed, horsepower, and small open structure make them prone to accidents. Even a rogue wave or wake can overturn a jet ski. Wearing a lifejacket, passing a boaters safety course, and being tethered to the PWC are all ways to stay safe. Having insurance covering the PWC is another aspect of playing it safe on the water.
PWC insurance is a set of policies designed to protect you from the financial risks associated with boating. A typical PWC insurance policy may include the following:
There are many different types of PWCs on the waters in KS, and each one can be insured. The following is a list of PWCs that are most commonly insured, but this list is not exhaustive:
If you have a PWC that is outside of this list, you can still get insurance. No matter the type of PWC, having insurance covering your PWC is important while enjoying the water in KS.
There is no exact price that PWC insurance will cost across the board, as everyone's risks are different. When shopping for a PWC policy, be sure to make yourself familiar with the following factors, in order to get the best policy for you:
All of these factors will be used to make sure that your PWC policy sufficiently protects you. Having an insurance policy tailored to your needs will ensure that you're protected against financial disaster in case of an accident.
There are usually many discounts available on insurance policies. When shopping for a PWC insurance quote, be sure to ask about available discounts, such as the following:
Every insurance company has different discounts, so be sure to ask about discounts you may not be aware of, or discounts you weren't eligible for previously.
When shopping for PWC insurance in Kansas, it's important to get the right amount of coverage at a price that won't break the bank. Trusted Choice® independent agents are always available to help you discuss policies, suggest discounts or policy options, or even help you file a claim.
They have years of experience working with Kansas insurance providers, enabling them to find you a number of quotes from a variety of companies. Contact a Trusted Choice agent to find the most comprehensive PWC insurance quotes.