Personal watercraft insurance coverages

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.

Vanishing Deductible®

Earn $100 off your deductible for each year of safe driving, up to $500. Your deductible could vanish completely.1

How Vanishing Deductible works

Let’s say you have a $500 deductible. After three years of safe driving with Vanishing Deductible, you’ll earn a $300 credit. If you have an accident, you’d pay just $200 toward your deductible before your insurance starts to cover any damages.

And if you’re involved in an accident, your deductible is reset back to $100 off.

On Your Side® Review

Make sure your insurance keeps up with your life and you get all the discounts you deserve.

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[1] Vanishing Deductible is an optional feature. Annual credits subject to eligibility requirements. Maximum credit: $500. Details and availability vary by state.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.