Content Evaluation Insurance Personal Property

Before buying personal watercraft (PWC) insurance, consider what's needed to protect skiers on the lake this summer. Jet Ski and PWC insurance may not be required by many states, but a quick glance at available coverages may convince personal watercraft enthusiasts that it's a must-have. The personal watercraft insurance policy includes:

• Physical damage and PWC theft coverage;
• Liability and Bodily injury coverage;
• Medical Payments for bills that arise as the result of a covered accident on a PWC.

Jet Ski Insurance Additional Coverages

Depending upon the personal watercraft insurance company chosen, additional coverages in the Jet Ski policy can include:

• Personal property replacement cost insurance;
• Uninsured Boaters insurance;
• Roadside assistance coverage- towing a personal watercraft or trailer to a repair facility;
• Free insurance coverage for a limited time on any new jet ski or PWC purchased;
• Personal watercraft insurance to cover fuel spill clean-up and wreckage removal;
• PWC trailer insurance coverage;
• Jet Ski insurance for U.S. residents in Canadian waters;
• Personal watercraft insurance with physical damage replacement cost coverage.

Personal Watercraft Insurance Policy Costs

The average annual premium for a personal watercraft or Jet Ski insurance policy is between $300 and $500.

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