Helping You Navigate Personal Watercraft Coverage

Get out there on your jet ski and enjoy the open water carefree.

Coverage That’s Smoother Than Riding a Jet Ski

Riding on a personal watercraft can be one of the most fun activities to enjoy in the Florida waters. The state law requires that all personal watercraft (or jet skis) have some level of insurance coverage. Oftentimes, this coverage can simply be added to an existing boat policy, saving you time, effort and excess paperwork.

Once your personal watercraft policy is in place, it effectively provides coverage for yourself or to those who you may lend your watercraft to. Ever have a friend who just wanted to take your jet ski out for a quick spin? Yup, us too. Make sure their joyride is a covered activity for the both of you.

Accidents can be covered with available options to protect items such as damage to another watercraft or dock, bodily injury or death to another person due to your negligence, or injury caused by another uninsured watercraft operator.

Let the Windward Insurance Agency plot the right course in search of the personal watercraft insurance coverage you seek.

What’s Covered?

A standard personal watercraft policy will provide coverage for the following:

Property Damage

Property Damage Liability coverage pays for any damage a personal watercraft rider causes to another person's property, including another watercraft, pier, or boat dock.

Medical Payments

The Medical Payment section of a boat policy provides protection for medical, ambulance, and hospital costs should someone be injured while in your boat or upon boarding or leaving your boat.

Extra Coverages

Replacement cost of personal items lost or damaged while onboard.

Replacement in actual cash value if your watercraft becomes damaged during use.

Roadside assistance should your trailer become damaged or disabled.

Recovery cost in the event of raising or removing your watercraft if it sinks.

Experienced team

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Frequently Asked Questions

Find all the answers to your questions here.

Is Watercraft Insurance required?

If your watercraft is used as collateral by a bank or lending institution, they will require you hold a boat policy to protect the craft in the event of loss.

What kind of insurance is needed for a watercraft?

The minimum required by some states, lenders, and marinas is liability insurance which can vary in coverage amounts.