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Personal watercraft (PWC) are fast and flexible with an inboard jet drive for thrills you generally wont get on a boat. We insure just about every common PWC type, including Jet Skis, WaveRunners, and Sea-Doos, so you can ride protected.
Before you hit the water in your personal watercraft (PWC), make sure you have adequate protection. PWC insurance is a must for the unique needs of personal watercraft owners. We offer liability, collision and comprehensive coverage exclusively for personal watercrafts.
Personal watercraft insurance helps protect jet skis and other personal watercraft from financial losses caused by accidents, theft, vandalism, fire, storms, and other covered events. In addition to protecting your watercraft, a policy can also provide liability coverage if you're responsible for injuring another person or damaging someone else's property while operating your personal watercraft.
Whether you own one personal watercraft or several, specialized insurance can help provide peace of mind every time you head out on the water.
Personal watercraft insurance is available for many types of recreational watercraft, including Jet Skis, WaveRunners, Sea-Doos, and other stand-up or sit-down personal watercraft. Coverage is available for both new and used models, depending on the insurance company and the condition of the watercraft.
Your insurance agent can help you select coverage based on your watercraft's value, age, and how you use it.
A personal watercraft insurance policy may include liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured boater protection, medical payments, physical damage coverage, towing assistance, and optional coverage for trailers and accessories.
The exact coverages available vary by insurance company, so it's important to review your policy carefully.
Virginia generally does not require owners of personal watercraft to carry insurance. However, if your watercraft is financed, your lender will likely require physical damage coverage. Some marinas, storage facilities, or private communities may also require proof of insurance before allowing access or storage.
Even when insurance isn't legally required, it can provide valuable financial protection against accidents, theft, and liability claims.
Some homeowners insurance policies provide limited coverage for small watercraft, but most offer little or no protection for personal watercraft such as Jet Skis, WaveRunners, or Sea-Doos. Liability coverage under a homeowners policy may also be limited or excluded depending on the size and horsepower of the watercraft.
A dedicated personal watercraft insurance policy typically provides much broader protection both on and off the water.
Yes. Comprehensive coverage generally protects your personal watercraft if it is stolen or damaged by theft, vandalism, fire, falling objects, or certain weather-related events. Coverage also applies while your watercraft is being stored or transported, subject to your policy's terms and conditions.
Using locks, secure storage, and anti-theft devices may help reduce your risk and could qualify you for premium discounts.
Insurance companies consider several factors when determining your premium, including the make and model of your watercraft, horsepower, age, value, where it's stored, your boating experience, claims history, location, selected coverages, and deductible.
Completing a boating safety course and maintaining a clean claims history may help lower your insurance costs.
Yes. Liability coverage may help protect you if a passenger or another individual is injured as the result of a covered accident for which you're legally responsible. Medical payments coverage may also be available to help pay certain medical expenses regardless of fault.
Choosing appropriate liability limits can help protect your financial future in the event of a serious accident.
Yes. Many insurance companies offer discounts when you insure your personal watercraft along with your boat, homeowners, auto, motorcycle, or umbrella insurance policies. Bundling your insurance can simplify policy management while helping reduce your overall insurance costs.
An independent insurance agency can compare multiple insurance companies to help maximize your available discounts.
You should review your personal watercraft insurance at least once each year and whenever significant changes occur. Purchasing a new watercraft, adding accessories, changing where you store it, increasing its value, or changing how often you ride may all affect your insurance needs.
An annual insurance review helps ensure your policy continues to provide the right protection while identifying opportunities for additional coverage and available premium savings.
