Personal Watercraft

Do You Need Insurance for Your Personal Watercraft

Personal watercraft — such as Jet Skis, Sea-Doos and Wave runners — provide hours of fun on the water. These vessels are operated using a water jet pump that is powered by an inboard motor. Riders sit or kneel on top, rather than inside, the craft. For this reason, many people do not necessarily consider these boats, so there may be confusion over whether or not insurance is needed.

Insurance Legality

A number of states require those who purchase personal watercraft to at least have liability insurance, in case they are at fault in an accident that causes injury, death or property damage to another. Be sure to check your state’s laws. Even though some states do not mandate boater’s insurance, PWC insurance is still a good idea.

Insurance Benefits

Speeding across the water on your personal watercraft is fun, but it does come with risk. Boating accidents are common, and PWCs are frequently involved. If you are in an accident, the costs incurred can lead to a significant financial loss. Insurance coverage protects you from:

  • Liability claims
  • Personal medical expenses
  • Physical damage expenses

Though insurance coverage is not always required for personal watercraft, it does protect you should you get into an accident. Procuring a PWC insurance policy gives you peace of mind, letting you enjoy your boating experience to the fullest.