Personal Watercraft Insurance Coverage

Nationwide offers many insurance coverage options to protect you, your personal watercraft (PWC) and other boaters. So you can choose the PWC insurance that’s right for you.

Insurance coverage to protect your PWC

•     Collision
•     Theft
•     Vandalism
•     Damage caused by uninsured or underinsured boaters

Insurance coverage to protect you and others

•     Bodily injury
•     Property damage
•     Medical payments
•     Uninsured and underinsured boaters
•     Guest passenger liability

Special features

•     On-water towing
•     Fishing equipment coverage
•     Trailer coverage

Learn more about PWC insurance coverage

Liability coverage
Liability covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses.  Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Many state laws require liability coverage.  Each state has its own minimum requirement.

Comprehensive coverage
Helps pay for damage to your vehicle not caused by collision. Examples include:  damage or loss due to theft, vandalism, falling objects, fire, storms, and certain other natural disasters. Comprehensive also covers custom parts and equipment.

Collision coverage
Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Uninsured or underinsured boater coverage
Helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured boater coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured boater results in injury. This coverage may also pay for lost wages and other damages. Coverage varies from state to state and is required in some states.

Medical payments
Helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

On-water towing and labor
Reimburses up to a limit for expenses resulting from on-water towing and fuel or battery delivery.