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Waverunners and jet skis can be fun personal watercraft (PWC) rides on, but having the right insurance coverage in place before hitting the water is essential. What types of PWCs can (and should) be covered? Coverage for PWCs is required in many states and counties, but it’s a good idea to have it in case of an incident, accident, or death. Remember, anything can happen at any time. PWSs allow one rider to stand or kneel on the vessel rather than sit; these policies do not cover sit-down jet skis.
Common Liability Losses Covered Under Personal Watercraft Insurance
There are losses when using watercraft that are more common than others, such as:
- Bodily injury or death to another person due to your negligence
- Injuries suffered to you by another operator while using your craft.
- The negligence of another operator while using your PWC
- Damage to a dock or another craft
- Towed wakeboarders or skiers injured while using your PWC
- Physical damage to the equipment, hull, or machinery
- Towing assistance should you break down on or in the water
What is Excluded From a PWC Policy?
It would be best to read your policy to get the details on excluded items. In general, what’s not covered include:
- Any PWC that’s been modified for speed or performance.
- PWCs that have been operated after dusk void coverage.
- Certain modifications add substantially to the value.
PWC differs depending on the make, model, age, and type of personal watercraft, so you’ll want to read your policy carefully.
Jet Ski & Waverunner Insurance Coverage
Personal watercraft cannot be added to existing boat policies, so they require their own coverage before operating. These are specialized policies but aren’t expensive. We’ll help you find the right PWC coverage, so contact Western Trails Insurance in Oshkosh, NE, today.