Personal Watercraft (PWC) Coverage Types
In need of PWC liability insurance? Finding the right coverage is easy with the help of an independent insurance agent.
Stand-up jet skis need special coverage of their own. We can help you find the right policy for your personal watercraft.
Shopping for the best submersible PWC insurance for you? We'll help you find the right policy for your watercraft.
How much is jet ski insurance? Find out the answer and get matched to an independent insurance agent.
How much does sea doo insurance cost? Find out the answer and get matched with an independent insurance agent.
Looking for the right kind of wave runner insurance for your watercraft? Get started with an independent insurance agent, here.
Is Personal Watercraft Insurance Required?
PWC insurance or boat insurance is only required by law in two states: Arkansas and Utah. In every other state, coverage is technically optional.
However, many owners of PWC find they're still required to have coverage in certain situations, such as if they choose to dock their vessels at a marina. PWC owners might also be required by their lenders to have insurance if they finance their watercraft.
Standard PWC Insurance Coverage
A PWC insurance policy often includes several types of protection. Here are some of the most common coverage options to choose from:
- Boating liability insurance: Covers lawsuit expenses related to third-party claims of bodily injury or personal property damage.
- Collision insurance: Pays for damage to your PWC from a collision with another object, regardless of fault.
- Comprehensive insurance: Pays for damage to your PWC due to a non-collision event such as a flood or theft.
- Uninsured/underinsured boater insurance: Covers expenses related to property damage and medical treatments in case of a collision with a boater who doesn't carry adequate insurance to reimburse you.
- Medical payments insurance: Covers medical treatment expenses for yourself or your passengers after a boating collision, regardless of fault.
Working together with a local independent insurance agent can ensure you build a complete PWC policy that includes every type of protection you need.
Additional PWC Insurance Coverage Options to Consider
You may still find you need more types of coverage to truly complete your PWC policy. Most carriers offer the following additional types of coverage to consider adding to your policy:
- Towing insurance: Covers towing expenses if your PWC becomes disabled on the water due to mechanical failure, etc.
- Fuel spill/wreckage cleanup insurance: Covers expenses related to wreckage and pollutant clean-up if you cause a collision on the water.
- Personal effects insurance: Covers the cost of repairs or replacements for personal items like scuba gear, fishing gear, and water skis, that get damaged, lost, stolen, or destroyed.
- Equipment insurance: Covers costs related to repairs or replacements for equipment or accessories not originally installed by the manufacturer, such as GPS units, boat hoists, and more, that get damaged, lost, stolen, or destroyed.
Your independent insurance agent can help you determine any additional types of PWC insurance that may be important to add to your policy.
How Much Is PWC Insurance?
On average, personal watercraft or boat insurance can range from $245 to $652 per year, depending on your location and certain other factors. The exact make and model of your PWC, as well as its engine size, length, and other specs, can influence your premium costs. An independent insurance agent can help you find the most affordable PWC coverage near you.
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PWC Insurance Discounts Can Help You Save
Most PWC insurance companies offer a handful of discounts you may qualify for. These discounts can greatly help to reduce the cost of your coverage premiums. You might be able to earn a discount for bundling multiple types of coverage through the same carrier, such as boat insurance and car insurance or homeowners insurance.
Completing a state-approved safe boater course can also often help you save money on your coverage, as can remaining claims-free for a set period of time. A local independent insurance agent can find and apply any discounts you've earned to your policy for you, but in the meantime, you can read up on more common PWC insurance discounts.
An Independent Insurance Agent Can Help You Find Affordable PWC Insurance
If you're looking for the most affordable PWC insurance in your area, no one's better equipped to help you find it than a local independent insurance agent. These agents have access to coverage options from multiple carriers near you. They can shop and compare quotes and policies and find the overall best blend of coverage and cost. And down the road, your agent can even help you file PWC insurance claims and update your coverage for you.