Boat and Personal Watercraft Insurance

What Is a Personal Watercraft?

Jet Ski, Sea-Doo Polaris, and WaveRunner are just a few brands of these inboard engine crafts that water sports enthusiasts call personal watercraft. Part boat and part motorcycle.

Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damage to vessels powered by a motor with a horsepower of at least 25 miles per hour (mph).
The most important part that's covered is you. A personal watercraft insurance policy typically insures you against many common liability losses, regardless of whether you operate it yourself or loan it to another person. It helps insure you and your personal watercraft against accidents, vandalism, and liability.

Some examples of coverage are:

  • Damage to another craft or dock
  • Bodily injury or death to another person due to your negligence
  • The negligence of another driver while using your PWC
  • Towed water skiers or wakeboarders who become injured using your craft
  • Physical damage to the hull, machinery, and equipment
  • Injury to you caused by an uninsured watercraft operator
  • Towing assistance if you break down on the water