Boat Insurance for Jet Skis and Personal Watercraft: What You Need to Know

Owning and enjoying an aquatic vehicle can offer exciting and memorable experiences. However, even smaller vessels require careful risk management considerations. Despite their smaller statures, jet skis and other personal watercraft, such as wave runners, are still prone to potentially costly accidents and mishaps. Without a sufficient understanding of appropriate coverage, you could face expensive losses and unmanageable out-of-pocket costs.

How Can Boat Insurance Help?

Although you might not think of jet skis and personal watercraft as boats, for insurance purposes, they’re generally applicable. Boat insurance is a versatile policy that may cover many types of vessels, including motorboats, sailboats, pontoons and single-person watercraft like jet skis. However, given the versatile breadth of these policies, you should carefully customize your coverage to make sure your insurance aligns with your needs and circumstances.

What Can Insurance for Jet Skis and Personal Watercraft Cover?

When compiling a policy for jet skis and personal watercraft, you may need to consider various coverage options. Fortunately, at Smaistrla Insurance Agency, we can help you understand various possibilities, including the following:

• Third-party liability coverage may help manage other parties’ losses for which you’re to blame, such as if you strike another vessel or injure someone while operating your personal watercraft.

• Collision coverage may help pay for repairs if your vehicle is damaged in a crash, regardless of who was at fault.

• Comprehensive coverage may compensate you for losses arising from noncollision incidents, such as theft and natural disasters.

• Uninsured/underinsured watercraft coverage may assist with your losses if someone else is at fault for an accident but does not have suitable insurance to cover your losses.

• Emergency assistance coverage may assist in certain incidents, such as if your personal watercraft breaks down on the water and you require aid or fuel delivery.

We’re Here to Help

Contact Smaistrla Insurance Agency in East Bernard, Texas, today to learn more about coverage options for jet skis and personal watercraft.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.