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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Sep 29, 2022

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Do I Need to Insure My Jet Ski?

Yes, you need to insure your jet ski. Jet skis and other personal watercraft offer hours of entertainment and thrills, but they aren’t cheap. In fact, the average cost of a new jet ski is about $12,000. If your jet ski was damaged or stolen, could you afford to repair or replace it?

What does jet ski insurance cover?

Your homeowners or renters insurance may provide minimal liability coverage for your jet ski or other personal watercraft, but that’s not enough. Personal watercraft insurance can help you pay for repairs or replacement of your jet ski. This can also help cover:

  • Damage to another watercraft or other property such as a dock
  • Personal injury or death caused by your negligence
  • The negligence of someone else while they are operating your jet ski
  • Injuries sustained by people you are towing, such as water skiers
  • Injuries you sustain that are caused by the operator of an uninsured watercraft
  • Towing assistance should your jet ski stop working when it’s in the water

Ask your insurance agent about bundling your personal watercraft insurance with your home insurance or auto policy. Bundling may save you money on your premium, plus it’s more convenient to pay one bill instead of multiple.

What’s not covered by jet ski insurance?

When shopping for personal watercraft insurance, be sure to ask about exclusions. Exclusions are situations or items not covered by your policy. Common jet ski insurance exclusions include driving the jet ski without a valid driver’s license, operating it after dark, or modifying the jet ski to boost its maximum speed.

Personal watercraft insurance not only protects your jet ski, it can also go a long way toward protecting your financial assets should you or someone else be injured by your jet ski. Call an agents so he/she can make sure you have an insurance policy that gives you and your jet ski adequate coverage.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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