Sit-Down PWC Insurance

(Finding the right PWC coverage)

Written by Jessica Huneck
Written by Jessica Huneck

Jessica Huneck is an insurance writer from She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.

PWC Insurance

There are few summer activities that can get your heart racing as fast as skipping across the waves on a Jet Ski, Sea-Doo or WaveRunner. 

Riding a personal watercraft is a popular sport for those who like speed, agility, and having fun on the water. Like all water sports and everything involving speed, cruising around on a sit down Jet Ski comes with risks.

If you recently purchased a Jet Ski, you may be wondering whether you need to get it insured, and how to go about it. If so, the best way to start is to contact an independent agent in our network today. 

A local, independent insurance agent can get you the right sit down Jet Ski insurance coverage for your needs and budget.

personal watercraft

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Jet Ski Facts

  • Jet Ski is a trademarked brand by Kawasaki, but it is often used as a generic term for personal watercrafts.
  • There are both stand-up and sit-down Jet Ski models, but the stand up models are no longer manufactured.
  • The most powerful Jet Ski is the Ultra 300LX, a sit down Jet Ski with a 1,498 cc engine.

What Does Sit Down PWC Insurance Cover?

Sit down PWC insurance coverage can protect both you and your craft if you have an accident while operating your Jet Ski. It can also cover you for theft or vandalism, and protect you from liability costs if you damage someone’s property or injure a passenger or boater.

Depending on the coverage options you choose, you may have protection for the following mishaps or accident:

  • Damage to the hull or engine
  • Bodily injury or death caused by your acts or negligence
  • Damage to a dock, boat, or other property belonging to someone else
  • Injury to water skiers or wake boarders you are towing with your Jet Ski
  • Your injuries or damage to your watercraft, caused by an uninsured operator

What happens if you break down out in the middle of the lake? You can even have optional on-water towing added to your Jet Ski insurance so you are prepared if you can’t ride your PWC back to shore.

What Is Not Covered by Personal Watercraft Insurance?

Insurance coverage varies from one insurance company to another, as well as the amount and type of coverage you choose. 

However, changes to a watercraft to increase its speed or performance will typically not be covered under personal watercraft insurance. You may also not be covered if you ride your Jet Ski after dark or operate without a valid driver’s license.

Because all policies and carriers are different, it is important that you understand exactly what your insurance covers and what is excluded before operating your watercraft.

How Much Does Sit Down Jet Ski Insurance Cost?

Personal watercrafts have varying values based on their manufacturer, their age and horsepower. The value of the watercraft, its speed potential and other factors will affect the premium you pay. 

In general, you can expect to pay between $150 to $300 per year for sit down Jet Ski insurance. If you have one of the latest and fastest models, such as the 2013 Jet Ski Ultra LX, you will likely pay more because the replacement value is higher than for a Jet Ski STX, and the Ultra is also faster.

Additional factors that can affect your PWC insurance costs include:

  • Your driving record
  • Where you ride your personal watercraft
  • Whether your PWC can carry passengers
  • The amount of liability coverage you choose
  • The amount of your deductible
  • Whether you pay your premium in installments or annually

To get accurate sit down Jet Ski insurance quotes, it is important to work with an agent who can customize a quote to your profile and your specific watercraft.

personal watercraft

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

How to Buy Personal Watercraft Insurance

The most effective way to purchase sit down Jet Ski insurance is to contact an independent agent in your area. Local agents in the Trusted Choice network are familiar with the regulations and laws of your state and municipality. 

Because they are independent from any one insurance company, they can compare options and quotes for you from multiple insurance companies to find the coverage that best meets your needs and budget.

Contact one of over 22,000 member agencies in our network today. Let your agent do the legwork for you, so you can save both time and money.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn