Massachusetts PWC Insurance

Find the right pwc insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


For residents of the “Bay State,” being on the water is second nature. For many, this means using a personal watercraft, or PWC, to enjoy the waves, whether you’re skipping from island to island or just taking a ride. While PWCs are fun to operate, they also pose a risk to you and to other swimmers or boaters. This is why obtaining the right forms of Massachusetts PWC insurance is of the utmost importance. How do you know what kind of coverage is right for you? When you work with an independent insurance agent, you'll receive reliable, professional advice.

Unlike “captive agents,” who can only quote from one source, our independent insurance agents can compare policies and Massachusetts PWC insurance quotes to find the right coverage for you. If you need to make a claim, you won’t have to worry about problems with the insurance company; our agents pledge to advocate for you. If you want personalized help with your insurance needs, contact an agent today.

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Massachusetts PWC Laws

A PWC should never be operated if the following conditions apply:

  • The driver is less than 16 years old.
  • The driver is under the influence of alcohol.
  • It’s between sunset and sunrise.
  • The PWC is traveling at high speeds in congested areas.

PWC Models and Insurance Risks

Many people refer to PWCs exclusively as "Jet Skis," "Sea-Doos," or "WaveRunners," but these are actually brand names. Just like cars, PWCs have several makes and models. There are four main types of PWC on the water today:

  • Sit-down PWC: This is one of the most common types of PWC and will hold 1-2 people. These are very easy to maneuver and gain speed quickly.
  • Multi-person PWC: This model is larger than a sit-down and can hold up to 4 people. This family-friendly PWC isn’t very fuel-efficient but has a low likelihood of tipping.
  • Stand-up PWC: This was the first model of PWC to hit the market and it holds only one rider. It travels at high speeds but takes experience to maneuver safely.
  • Submersible PWC: These watercrafts can actually go beneath the surface of the water for a certain distance. They are "dolphin-shaped" and relatively expensive to purchase and insure.

What Are My Coverage Options?

Although you aren’t required to purchase Massachusetts PWC insurance, you may still want to consider it to protect your finances after an accident. Your homeowners and auto policy likely won't provide enough coverage for all the ways you use your PWC, including towing, storing, and riding the waves. It's a good idea to talk with your agent about any gaps in insurance coverage you may currently have. The following are just a few of the coverage options that are available to you. Be sure to talk with your agent about deductibles, coverage limits, and additional drivers you may need to add to your policy.

  • Liability insurance: If you cause an accident on your PWC, this insurance will pay for bodily injury and property damage costs up to the limit on the policy.
  • Uninsured/underinsured boater: If you’re in an accident with someone who doesn’t have insurance, you can be stuck with a big biill. This policy is designed to cover your costs.
  • Medical payments: If you are injured in an accident, this policy helps cover your medical expenses.

Other Types of Massachusetts PWC Insurance Policies Include:

  • Pollution coverage
  • Towing and assistance
  • Wreckage removal
  • Accessory coverage
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Our independent agents shop around to find you the best coverage.

Working with an Agent

To find Massachusetts PWC insurance, contact an independent agent in our network. A member agent can compare Massachusetts PWC insurance quotes to find a policy that fits within your budget and most importantly, protects your PWC. Contact an agent in our network for personalized help with all your insurance needs.

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