Jet Skis, to include Wave Runners, Sea-Doos, etc. are best insured under a Personal Watercraft (PWC) policy. Such policies can provide:
· High Liability limits.
· Medical payments coverage up to $25,000. A must!
· Physical damage coverage to replace or repair a damaged PWC.
· Roadside Assistance – you will be towing your PWC on a trailer.
· Fuel Spill Protection
· Wreckage removal to cover the coat to raise and remove a sunken PWC.
Be sure you know the navigational limits allowed by the policy. Most will cover anywhere in the US and Canada.
Many factors are considered in the pricing of PWC insurance (driving record, experience level, age of drivers, etc.) and the annual premium is usually in the $300 to $400 range.
Progressive Insurance Company has an excellent PWC policy and your independent insurance agent can help you find the policy best for you.
PWCs can be high-speed vehicles and having a PWC policy is a must.