PERSONAL INSURANCE

Watercraft Insurance

Protect yourself and your personal watercraft (PWC).

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Find the right coverage and
get back to the fun!

Find personalized coverage for your watercraft, from jet skis and small boats to yachts and boat trailers. Our independent insurance experts can recommend PWC insurance that’s right for you.

Coverage options

Protect your PWC, personal property and yourself

Bodily injury liability

Property damage liability

Collision

Emergency services

Comprehensive coverage

Uninsured motorist

Medical payments

What coverage should you get?

While certain personal watercraft like smaller boats can be covered under a homeowners policy, most medium-sized or high-speed boats often don’t qualify and require separate coverage under a watercraft insurance policy. Our independent insurance experts help you evaluate policies to find the right fit for you.

FREQUENTLY ASKED QUESTIONS

Still have questions?

Is watercraft insurance required?

Watercraft insurance can be required for a variety of reasons. Some states require liability coverage. Marinas may also require boat insurance in order to dock your boat. Or if you take out a loan to buy a boat, the lender will most likely require that you are covered by watercraft insurance. Our insurance experts consider all scenarios impacting you and help you find the coverage that fits your specific needs.

How much watercraft insurance do I need?

The amount of coverage you require depends on a number of factors, such as the value and size of your boat, age and how you use it.

Does watercraft insurance cover passengers?

Watercraft insurance typically covers your passengers under the liability portion of your policy. However, depending on the policy this coverage may or may not extend to water skiers you are pulling behind the boat.