Personal Watercraft, Jetski, Sea-Doo, Wave Runner Insurance

We can help you insure your Personal Watercraft with the right coverage.

A personal watercraft is like any other motor vehicle in that the potential for loss to vehicle and financial loss due to liability exists on the water.

We will help you find the best rate with a personal consultation to explain your coverage options and discounts.

While you may be able to cover some of your personal watercraft exposure on your Homeowners Insurance policy, only a properly crafted personal watercraft insurance policy will provide you with the peace of mind that you will be completely protected in the event of an incident.

What is included on a personal watercraft insurance policy?

Liability Coverage - This coverage, provides financial compensation to others people if you are liable for an accident. Liability Limits start at $10,000 and can be as high as $500,000. Additonal coverage is available via a personal umbrella policy
Uninsured Watercraft Coverage - Uninsured watercraft protects you and your family financially from the loss of income and medical bills after an accident. This coverage also provides you protection for Underinsured watercraft
Physical Damage Coverage - Covers your boat after a covered loss. Coverage can be on an agreed value or actual cash value basis
Trailer Coverage - Optional coverage to extend to your trailer
Towing - An optional coverage covers you whether you are on the water or on the trailer, paying up the limits you select
Personal Property Coverage - Optional coverage for your personal items while in/on the personal watercraft

How much coverage do I need?

The most important part of your personal watercraft insurance policy is the liability coverage. With never ending escalating medical costs, even a simple accident could have tens or hundreds of thousands of dollars in medical, lost wage, and pain and suffering expenses related with it. By consulting with you we can help identify your financial risk and advise a proper coverage program to ensure you are adequately protected.

How can I save money on my insurance premiums?

There are a number of things you can do to reduce your premiums. Your choice of Deductibles can have a significant impact on your annual cost of insurance. We will help you analyze the benefits at each deductible level versus the annual costs to give you the best value. One of the best money savings moves you can do is to have your Auto, Home, personal watercraft and Life Insurance policies combined to maximize available discounts.