Protect Your PWC. Enjoy the Ride.

They share some similar types of protection, but Personal Watercraft and larger recreational boats can have different coverage needs and insurance options. If you own a Jet Ski, WaveRunner, Sea-Doo or another eligible PWC, start here. If you own a Power Boat, fishing boat, pontoon, sailboat or another larger recreational vessel, visit our Boat Insurance page.

Insurance requirements can vary by state and circumstances. A lender may require certain coverage if your PWC is financed, and a marina, storage facility or other party may have its own insurance requirements.

Pricing can be affected by the type and value of the PWC, horsepower/performance, where it’s used, who operates it, riding history, coverage limits, deductibles, storage and available discounts. Different insurance companies can evaluate the same PWC owner differently. That’s Why We Shop.

Depending on the insurance company and policy, Comprehensive or other physical-damage coverage may help protect an insured PWC against covered theft, subject to policy terms, limits and deductibles.

Physical-damage coverage may help with certain covered damage to an insured Personal Watercraft. Exactly what’s covered depends on the cause of loss, coverage selected, deductible and policy terms.

If another boater causes a covered accident but has no insurance—or not enough insurance—available Uninsured / Underinsured Boater coverage may help with covered injuries and damages, subject to policy terms and limits.

Coverage for other operators can depend on the insurance company, policy, operator and circumstances. If family members or other people regularly use your PWC, tell your Sky-Agent® who operates it so you can understand the available coverage.

Available passenger-related protection can vary by policy and circumstances. If you regularly carry passengers on your Jet Ski, WaveRunner or Sea-Doo, tell your Sky-Agent® and ask about the available coverage.

Coverage may be available for an eligible PWC trailer, depending on the insurance company and policy. Tell your Sky-Agent® about the trailer when shopping coverage.

Yes. Some insurance companies may offer discounts or other advantages for insuring multiple eligible Personal Watercraft. Tell your Sky-Agent® about all the PWCs in your household.

Even when you’re not riding, your PWC can still face risks such as theft, fire, vandalism and certain weather- related damage. Talk to your Sky-Agent® before reducing or canceling coverage.

Participating insurance companies may offer multi-policy savings when eligible PWC and Auto coverage are combined. Depending on the company, there may also be opportunities involving Homeowners, Condo, Renters, Boat, Motorcycle, RV and other eligible insurance. Don’t Just Bundle. Shop the Bundle.™

SkyBlue is licensed nationwide. Available insurance companies, products and eligibility vary by state, PWC and individual owner, but a Sky-Agent® can help shop the Personal Watercraft Insurance options available to you.