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What is Personal Watercraft
Insurance?
Insurance?
Protect What You Love
Personal watercraft insurance can help cover property and bodily injury accidents.
Ride With Confidence
While personal watercraft insurance is not legally required, it is an excellent choice for those who want some peace of mind.
Customize Your Coverages
We can help you shop personal watercraft insurance policies to help find one that makes sense for you.
What Does Personal Watercraft Insurance Cover?
It is especially beneficial to help protect you from incidents on the water.
Damage/Vandalism to Your Personal Watercraft
Damage to Other’s Property
Fuel Spills
On-the-Water Towing
Medical Payments
Liability
Uninsured Protection
Theft
Sail with Security
Personal watercrafts can make a day on the water a lot of fun. However, accidents can happen. Get peace of mind with personal watercraft insurance to help cover yourself financially in case the unexpected happens.
Factors That Can Potentially
Impact Your Rate
Type and Age
Rates are impacted by the type and size of your personal watercraft as well as its age. Expensive or newer ones may cost more to insure than older or smaller ones.
Age and Gender
Certain age brackets and genders have been statistically shown to be less risky to insure. People who fall into these categories may see lower premium rates.
Credit and Driving Record
Good credit scores and clean driving records are viewed positively by insurance companies. These things can help keep rates lower.
Homeowner
Home owners may receive bundled rates or be viewed as less risky.
Coverage Options on Policies
Higher deductibles may mean lower premiums. Bundling policies with other products such as home and auto may get you a discount as well.
Experience
Your years on the water may be factors taken into consideration when quoting a policy.
Safety Measures
Insurers like when owners have taken precautions to protect their personal watercraft. Previously having insurance coverage or safety equipment is often viewed favorably.
Location
If your personal watercraft's location is prone to natural elements such as storms or flooding, you may have a higher premium.
Recurrence
How frequently you ride may be taken into consideration. Regular riders may have higher premiums than those who take their personal watercraft out on occasion.
New to Personal Watercraft Insurance?
Here is What to Expect
Do I Need Personal Watercraft Insurance?
It is not mandated by law. However, personal watercraft insurance can help provide financial protection in case the unexpected happens to you or the vehicle.
Discounts
& Savings
Here are some of the many discounts that may be available
- High deductible
- 2-years accident free
- Pay in full
- Diesel-powered engine
- Safety equipment
- and more
Understanding Personal Watercraft Insurance
Personal watercraft insurance typically covers high-horsepower vehicles that accommodate one or two people and can exceed 25 mph on water.
It is important to discuss your vehicle and needs with a licensed insurance agent to figure out your insurance needs.
Our licensed insurance agents will discuss available options and discounts during your personal watercraft quote.
Personal Watercraft
Insurance FAQ
Insurance FAQ
Does homeowners insurance cover personal watercraft?
No, homeowners insurance does not cover your personal watercraft. We recommend you consider specialized insurance for your personal watercraft.
What should I know before shopping around for personal watercraft insurance?
- Take note on your personal watercraft's details: Hull identification Number, Year, Make, and Model.
- Decide who the riders will be so you can list them on your policy for proper coverage.
- Note any enhancements on your personal watercraft. Your agent may ask and it's a good idea to note them when getting a policy.
How expensive is personal watercraft insurance?
There are many factors that go into determining your rate. It's a good idea to get a quote from a licensed agent and discuss your options (including possible discounts).
Can I get personal watercraft insurance near me?
We'd be happy to help you shop for watercraft insurance. Give one of our licensed agents a call at 1-844-358-5605 today to see what options may be available.
Protecting Customers Since 1980
Read what customers are saying about our service.
Fastest and easiest platform to purchase insurance. Honest up front about all charges and very nice and friendly when it came to customer service.I would recommend this agency to everyone needing a no hassle policy.Thanks again guys, look forward to a long and trusting relationship
Oscar E.
Nick was so helpful. I needed an extra day to complete everything and Nick gave me his direct line and kept me paperwork @ his desk so I could keep dealing with him until the end. He made my first time experience with First Chicago excellent!! Thanks Nick and First Chicago!! 😁😁
Angela S.
Nick helped me get an affordable policy with roadside assistance in less than 10 minutes! This was the easiest process I have ever had while purchasing anything. There is also an app you can download which makes everything even more convenient.
D E.
The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again
Jacobi D.
