Just as some insurance companies treat boats as floating cars, they treat personal watercraft as floating motorcycles. 

You need a company that understands the unique needs of PWC owners.

Actual Cash Value Hull Coverage
Watercraft Liability
Medical Payments
Personal Effects

Actual Cash Value Hull Coverage -  This coverage is based on the Actual Cash Value (ACV), of your unit, which is the replacement cost less depreciation.

back to top

Watercraft Liability - This coverage will pay damages for bodily injury or property damage for which you become liable through ownership, maintenance, or use of your property.  This includes liability for property damage to another vessel.  Available limits range from $10,000/$20,000 to $1,000,000.

back to top

Medical Payments - This excess coverage (after any other medical coverage) will pay the cost of necessary medical treatments resulting from an accident causing bodily injury to any person while using the personal watercraft. Coverage is available in limits ranging from $1,000 to $5,000.

back to top

Personal Effects - This coverage may be purchased to protect the contents that you keep on your personal watercraft. This coverage is excess to any other valid and collectible insurance.  Some examples of personal effects are:

• Camera
• Binoculars
• Personal Floatation Devices

Maximum coverage available is $500, subject to a $250 deductible.

back to top