PWC insurance insures you and your personal watercraft against accidents, vandalism, and liability. PWC can be added to an already existing boat policy if you have one. If not, there are two types of PWC insurance you can have:
Stand-Up PWC: Allows for one rider who either stands or kneels on the watercraft, as opposed to sits. Leading brands of stand-up PWCs include Kawasaki and Yamaha
Sit-Down PWC: Which allows the rider to sit or stand, can usually carry 2-4 people, and often have the ability to tow skiers and wake boarders. Sea-Doos and WaveRunners are popular brands of sit-down PWCs (trademarked by Bombardier and Yamaha, respectively).
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.
Because insurance needs differ depending on the type of personal watercraft you own, read the details in your policy to see what is covered and what is specifically excluded.