Jet Ski Insurance
Get jet ski insurance that covers your personal watercraft on and off the water. We compare rates from marine carriers to find coverage that fits your PWC and your budget.
Jet skis are fun. They're fast, exciting, and give you freedom on the water. They're also expensive, easy to damage, and involved in more accidents per hour of use than almost any other watercraft.
One collision, one theft, one liability claim could cost you thousands. Insurance protects your investment and your financial future.
What Jet Ski Insurance Covers
• Physical damage - Collision with other watercraft, objects, or the dock. Theft. Vandalism. Fire and weather damage.
• Liability coverage - Injuries to others and damage to their property. Medical bills, property repair, and legal defense.
• Medical payments - Medical costs for you and your passengers, regardless of fault.
• Uninsured watercraft coverage - Protection when an uninsured operator damages your PWC or injures you.
• Towing and assistance - On-water towing when you break down or run out of fuel.
• Trailer coverage - Protection for your jet ski trailer during transport and storage.
Do I Need Jet Ski Insurance?
Missouri doesn't legally require insurance for personal watercraft. But operating without coverage exposes you to significant risk:
• Theft or damage - You pay out of pocket. New jet skis cost $10,000-20,000+.
• Injury to others - You're personally liable. Lawsuits can easily exceed $100,000.
• Your own injuries - Medical bills add up fast. PWC accidents can cause serious injury.
• Total loss - If your jet ski is destroyed or stolen, can you afford to replace it?
Most jet ski owners can't afford to self-insure these risks. Coverage is relatively affordable compared to the potential losses.
What Affects Your Jet Ski Insurance Rate?
• Make, model, and value - More expensive PWCs cost more to insure.
• Horsepower and top speed - Faster jet skis have higher liability risk and damage potential.
• Your age and experience - Young operators typically pay more.
• Where you ride - Lakes, rivers, and coastal waters have different risk profiles.
• Storage method - Secure storage can reduce theft risk and lower rates.
• Safety course completion - Boater safety courses may qualify for discounts.
Bundle and Save
Have homeowners or auto insurance? Adding jet ski insurance to the same carrier often qualifies you for a multi-policy discount. The savings on your existing policies can offset most or all of the PWC premium.
We look at your complete insurance picture and find ways to maximize your total savings.