Personal watercraft insurance covers you on the road and on the water. With improved watercraft insurance coverage and competitive pricing, we can insure your Jet Ski, WaveRunner, Sea doo or other personal watercraft (PWC) with a PWC insurance policy that’s right for you.
Protect your personal watercraft from damage and theft with PWC insurance
We offer many personal watercraft insurance coverage options so you can enjoy your time on the water.
 Physical damage
Personal valuables
On-water towing
Rental reimbursement
Roadside assistance
Fuel spill protection
Protect yourself, your family and others with PWC insurance
PWC insurance helps protect you from legal and medical expenses if you’re at fault for an accident.
Medical payments
Payment of the cost of defending claims against you
Uninsured/underinsured boaters and PWC operators
Looking for boat insurance?
Personal watercraft insurance discounts
There are lots of ways to save on insurance for PWC. We offer discounts for:
Completing a boater safety course
Multiple boat coverage
Being a claim-free boater
Diesel fuel usage
PWC insurance combined with auto insurance or other policies
Learn more about PWC insurance coverage
Liability coverage
Liability covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.
Many state laws require liability coverage. Each state has its own minimum requirement.
Comprehensive coverage
Helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, and certain other natural disasters. Comprehensive also covers custom parts and equipment.
Collision coverage
Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.
Uninsured or underinsured boater coverage
Helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured boater coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured boater results in injury. This coverage may also pay for lost wages and other damages. Coverage varies from state to state and is required in some states.
Medical payments
Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
On-water towing and labor
Reimburses up to a limit for expenses resulting from on-water towing and fuel or battery delivery. |
