If you own a Jet Ski, then Jet Ski insurance is something you need to protect yourself from a variety of circumstances that could make you vulnerable to lawsuits or losses.
For instance, what would happen if you are using your Jet Ski and collide with a boater or another personal watercraft? How will you pay for the repairs if your personal watercraft is vandalized? These are just a few examples of why Jet Ski insurance is a must if you own a personal watercraft. It not only protects you, but also protects others in case you are in an accident, whether those others are on-board or in the water.
What Is a PWC?
Personal watercraft (PWC) are sit-down or stand-up small craft also known as water scooters. Examples include Jet Ski, WaveRunner and SeaDoo.
What Does Jet Ski Insurance Cover?
While every policy differs, and you can customize it to fit your needs, here are the basics of what you would find with PWC insurance:
- Towing and wreck removal
- Personal property coverage
- Physical damage to your personal watercraft
- An injury that happens due to an uninsured boater
- Damage you cause to property such as another boat, deck and so on
- Medical payments
- Personal watercraft trailer coverage
- Bodily injury or death caused by you
- Liability for someone you are towing
- Insurance for accessories on-board, such as personal items
Types of Jet Ski Insurance
The traditional PWC insurance falls under the following areas:
Collision. If you have damage due to a collision, this helps with replacement or repairs.
Liability. If you cause an accident where property is damaged or someone is injured, this helps with the costs associated.
Medical Payments. This is for when you are injured and need help with medical costs.
Comprehensive. This is for repairs or replacement costs that are not due to a collision, for instance, vandalism or theft.
On-Water Towing and Labor. This is for breakdowns that happen while you are on the water.
Rates and Policies
The rates vary depending on a few factors, including the make, model and year of your personal watercraft, modifications made to the personal watercraft, the value of the PWC, the engine type, horsepower, and maximum operating speed, and any boater safety courses you have taken.
On average, PWC rates may be between $150 to $500 per year for a typical plan. However, the cost gives you peace of mind and protects your investment and your earnings in the case of an accident that was your fault.
Exclusions to Keep in Mind
A PWC policy may not pay if you are operating without a valid driver's license, operating your Jet Ski after dark or modifications to your PWC that give it more speed than was intended when it was manufactured.
Get an Insurance Quote
In order to find the best insurance, we will give you a quote on Jet Ski insurance that fits your needs. We are a family-owned business that treats you like you are part of our family, and we service the areas of Visalia, Tulare, Selma, Hanford and Fresno here at Su Casa Valley Insurance.