What insurance do I need for my boat or jet ski
- urbanikadam
- Jun 2
- 1 min read
If you own a boat or jet ski (also called a personal watercraft or PWC), you’ll typically need specialized coverage. Here’s a breakdown.
🚤 Boat Insurance
Covers most types of boats like sailboats, fishing boats, and yachts.
Key coverages:
Liability Coverage – Covers injuries or property damage you cause to others.
Physical Damage (Hull Coverage) – Covers damage to your boat from accidents, weather, theft, etc.
Uninsured/Underinsured Boater – Protects you if another boater without enough coverage hits you.
Medical Payments – Pays medical expenses for you and passengers.
Towing and Assistance – Covers towing if your boat breaks down on the water.
Fuel Spill Liability – Covers clean-up costs if your boat leaks fuel.
🌊 Jet Ski (PWC) Insurance
Similar to boat insurance but tailored for personal watercraft like Jet Skis, Sea-Doo's, and Wave Runners.
Key coverages:
Liability Coverage – For accidents or injuries caused while riding.
Physical Damage – Covers damage or theft of your Jet Ski.
Medical Payments – Covers injuries to you or your passengers.
Towing and Assistance – If you get stranded on the water.
⚠️ Important Notes:
✅ Your homeowners insurance usually doesn’t cover boats or PWCs (except for small, low-horsepower vessels in some cases).✅ Many marinas and lenders require proof of insurance before they let you dock or finance a boat.✅ You can often bundle boat/PWC insurance with your auto or home policy for a discount.
630-802-3301
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