Personal Watercraft Insurance

Get customized personal watercraft insurance for almost any type

We insure just about all of the common types of PWCs, including Jet Skis, WaveRunners, Sea-Doos and more. Plus, we offer specialized coverages made just for PWCs. Just get a personal watercraft insurance quote, and you’ll likely get covered today.

PWC insurance coverages

When you get a quote, you can choose which coverages you want and customize your protection for your exact needs.

  • High limits: medical payments coverage limits are offered up to $25,000.
  • Replacement cost personal effects: coverage is available up to $5,000 for personal effects, such as clothing, sunglasses, phones, etc. Replacement cost means if we can’t repair your damaged items, we’ll pay what it costs for new ones (similar model).
  • Total loss coverage: this is available for new PWCs that are up to one model year old. If it’s totaled, we’ll write you a check for what it costs to buy a brand new one (MSRP of the current model). When your PWC is more than three model years old, we’ll give you the actual cash value for what your PWC is currently worth.
  • Extensive navigation: means you can enjoy using your watercraft anywhere in the US or Canada.
  • Roadside assistance: towing to the nearest qualified repair facility is provided at no additional cost when your tow vehicle or trailer is damaged or disabled. There's typically no out-of-pocket cost to you for this coverage.
  • Fuel spill protection: we’ll cover oil or fuel spills that you’re legally responsible for.
  • Wreckage removal: we’ll cover the cost to raise, remove and/or destroy the wreckage if your PWC sinks.

Get a pwc quote