What does personal watercraft insurance cover?

Bodily injury liability

If you cause an accident and someone is injured, this watercraft insurance coverage can help pay their medical bills and loss of income.

Property damage liability

If you cause an accident, this personal watercraft insurance coverage helps pay for damages to another person’s watercraft or property. Pollution liability coverage and wreckage removal are included.

Collision

Collision pays for damage to your personal watercraft, motor, trolling motor, trailer, and permanent and portable equipment if you’re in a covered accident with another watercraft or object.

Comprehensive

Also known as “other than collision,” this coverage can help pay for damage to your personal watercraft, motor, trolling motor, trailer, and permanent and portable equipment from losses other than collision. This includes damage from fire, theft or storms.

Uninsured motorist

Helps protect you and your personal watercraft, motor, trolling motor, trailer, and permanent and portable equipment from an uninsured or hit-and-run boater. 

Underinsured motorist

Helps protect you, your watercraft and equipment from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Medical payments can help cover medical bills if you or others are injured while operating or occupying your personal watercraft.

On-water boat towing and labor

Covers towing expenses and other emergency services if your personal watercraft becomes disabled on the water.