A Quick Guide to PWC Insurance

Personal watercraft, such as jet skis are wave runners, are an excellent way to fill in those long summer days. However, they do require having the proper insurance policy. PWC insurance provides the coverage you need to protect yourself, your property, and others on the water.

What It Covers

According to an article by Merrimac Marine, PWC coverage includes a wide range of situations. You’ll need it for situations that cause physical damage to your property or that cause you to damage the property of someone else. PWC policies also cover bodily injury, injuries caused by uninsured boaters, and medical payments related to injuries or death. The policy also takes care of expenses related to towing and removing wrecks, personal property, and trailer coverage, among others.

The Cost of a PWC Policy

The cost of your PWC insurance can range anywhere from $150 to $500 per year, but different situations determine exactly what you’ll pay. For example, the make, model, and year your PWC was manufactured is important, as it its maximum operating speed, any modifications it has, and overall value. You’ll save money on your insurance if you can prove you’ve taken boater safety courses.

If you’re interested in finding the right insurance coverage for your personal watercraft, contact your insurance agent today. He or she can help you get started.