No matter what you call your machine -- a PWC, personal watercraft, or Jet Ski -- it's used for a fun sport that millions enjoy as soon as warm weather hits. From towing inflatables to fishing and racing, jetskiing is a favorite pastime for many Montana residents. Unfortunately, these boats are lightweight and incredibly fast, making accidents all too common. Even experienced PWC riders can be caught unawares or fall victim to an accident on the water.
If you're passionate about your PWC, it's a wise idea to get it covered by insurance. If there's an accident or a breakdown, your PWC insurance may very well prove invaluable.
Jet Skis are fun, but it's no surprise that they can be dangerous. Montana has a strict set of laws pertaining to PWC use, including required equipment, age restrictions, and usage guidelines. As a responsible boater, it's important that you read these rules before going out for a day of fun on the water.
PWC insurance is a set of policies put together in order to offer you the best coverage against the most common risks faced by PWC owners. A typical PWC policy may include the following:
There may be other coverage types that are suited to your needs, so it's a wise idea to discuss coverage with an insurance agent prior to purchase.
Insurance companies know that there are many types of PWCs, and not all PWC riders are equal. Below is a list of some of the most common types of PWCs that can be covered:
If your PWC is not listed, you are more than likely still eligible for PWC insurance. Contact an insurance agent to get specifics on needed coverages.
The cost of a PWC insurance policy varies due to your individual situation. Average quotes may run anywhere from $150 to $500 a year. When you're shopping online or in person for PWC insurance, make sure to be aware of the following:
These factors, plus many more, will be used to get you a quote for an insurance policy that will properly cover you against your individual risks.
Just like many other insurance policies, discounts are available on PWC insurance. These discounts may include the following:
Each insurance company offers different discounts, so it's a wise idea to ask your insurance agent about the discounts that may be available to you.
When deciding to purchase PWC coverage in Montana, it's crucial to have an insurance agent familiar with your indiviual area. A Trusted Choice® agent is always available to help you find coverages, answer questions, suggest discounts, or even help you file a claim.