Watercraft Insurance & Coverages

Personal watercrafts

Personal watercrafts are in many ways a combination of boat and motorcycle, and definitely plenty of fun to ride. Common examples of personal watercrafts (PWCs) include Sea-Doo, Jet Ski and WaveRunner. As much fun as these watercraft can be, they also come with risk. What if you get hurt? What if your PWC is damaged, or you need to be towed back?

This is where personal watercraft insurance comes in. Your homeowner’s insurance coverage is inadequate to protect you, because you need a specialty insurance policy that covers your WaveRunner or Sea-Doo against all possibilities. Adair Insurance will help you find the best policy for your personal watercraft that gives you the coverage you need at an affordable price.

What is PWC Insurance?

What is PWC Insurance?

Personal watercraft insurance protects you and your watercraft against vandalism, liability and accidents so you can enjoy your time on the water. You will be covered against several common liability losses, whether your PWC is operated by you or you let someone borrow it.

You will be protected against:

  • Damage to a dock or another watercraft
  • Bodily injury or death of a third party due to negligence
  • Negligence of another driver while riding your PWC
  • Towed wake boarders and water skiers who are injured using your watercraft
  • Physical damage to your equipment, machinery and hull
  • Injury to you by an uninsured watercraft operator
  • Towing assistance if you break down

There are certain things that are excluded from a personal watercraft insurance policy, however. In general, craft that has been modified to improve speed or performance will not be covered, nor is operating a PWC if you do not have a valid driver's license or operating the vehicle after dark.

Types of Personal Watercraft Insurance Coverage

Your policy can offer several types of coverage, such as:

  • Physical damage
  • Liability
  • Watersports liability
  • Wreck removal

You can also choose optional coverage options, such as uninsured watercraft coverage, accessory coverage, personal property, towing and assistance, liability-only coverage, trailer coverage, and even coverage for your permanent accessories like the windshield.

Personal Watercraft Insurance Coverage

Get a Free PWC Insurance Quote

Adair Insurance covers several types of personal watercrafts, including stand-up PWC for one rider (such as Kawasaki and Yamaha models) as well as sit-down PWC (including WaveRunners and Sea-Doos). Before you head out on the water, make sure you are protected in case of accident or injury. Personal watercraft insurance is more affordable than you may think! Contact Adair Insurance today for a free PWC insurance quote. We will help you find the best rate among top-rated insurance companies to match your needs and budget.