Personal Watercraft Insurance

What is PWC insurance?

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).

What does PWC insurance cover?

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.

IN SITUATIONS LIKE THESE, YOU MAY BE COVERED FOR:

  • Damage to another craft or dock
  • Bodily injury or death to another person due to your negligence
  • The negligence of another driver while using your PWC
  • Towed water skiers or wake boarders who become injured using your craft
  • Physical damage to the hull, machinery, and equipment
  • Injury to you caused by an uninsured watercraft operator
  • Towing assistance if you break down on the water

What is excluded from a PWC policy?

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.

TYPICAL EXAMPLES OF WHAT’S NOT COVERED ARE:

  • Multiple towing options, on and off the water
  • Disappearing deductibles
  • Coverage for your personal property
  • Coverage for your fishing equipment
  • Coverage against injury to you caused by an uninsured boater
  • Hurricane haul out
  • Ice/freeze coverage