Skip to content

Do You Like to Cruise on the Open Water? | Jet Ski Insurance

Do You Like to Cruise on the Open Water? | Jet Ski Insurance

by Chuck on Feb 26, 2014

If so, you have a need for the right insurance protection! Have you ever thought about jet ski insurance?  Now that you own your personal watercraft (ie: jet ski), it’s time for some fun in the sun. But first, you’ll want to know about all the ways your personal watercraft insurance policy allows you to stay protected, including bodily injury, property damage and theft.


A typical policy will include a $250 deductible for property damage, $500 for theft and $1,000 for medical payments. Liability starts at $15,000 and can increase to $300,000 to provide you and your family the financial protection you need in case your jet ski is involved in an accident.

In addition, most policies include water sports liability, which provides protection when you engage in other sporting activities such as waterskiing, knee boarding or tubing.

Additional Liability Coverage

You may also want to consider purchasing a personal umbrella insurance policy connected to your homeowners or automobile insurance policy to give you additional liability protection for your personal watercraft policy. This coverage will provide you $1 million in additional coverage at an affordable price.

The Basics

Personal watercraft (PWC) coverage may cover the following:

  • Bodily injury to yourself, another rider, or swimmer injured in your path
  • Property damage to items such as your jet ski, docks, other PWCs or boats
  • Guest passenger liability
  • Medical payments
  • Theft of your jet ski or other PWC

Buy in Bulk!

If you have more than one personal watercraft (PWC) vehicle, you may qualify for a multi-boat discount. You can also purchase additional coverage for accessories and hauling trailers to keep all your bases safely covered.

PWC Safety

Though PWC vehicles and jet skis provide hours of enjoyment and are fairly easy to operate, they can be dangerous to use. Stay safe while operating your PWC by remembering these safety tips:

·         Do not drive your jet ski directly behind another jet ski in the water. Instead, stay at least 100 yards behind another vessel in front of you and at least 50 yards away from someone on each side. Since you can travel at high speeds on a jet ski, staying a safe distance from others will help you avoid a collision.

·         Do not jump a wake created by a passing boat. In doing so, you could potentially misjudge the boat’s speed and cause a collision. The wake may also push you into the traffic path of other vehicles coming from the opposite direction.  And in our beautiful Clearwater waters, it’s also illegal and classified as reckless operation of a vessel (a first-degree misdemeanor).

·         Remain constantly alert of what is going on around you as you ride. Avoid other jet skis, swimmers, boats and divers. Sharing the open water with others will make for a more enjoyable experience for everyone.   After all, that’s part of the thrill!

For more information on Florida Marine rules, please visit:

Count on Us!

Thrill-seeking on the open water can be unpredictable, but your coverage shouldn’t be. Make sure your jet ski insurance up to date or complete by calling ARCW Insurance today at (727) 544-8841.  Our pros can also guide you through our insurance solutions for all of your recreational, home and auto needs.

This information is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice.  Should you have any questions or would like to discuss your company’s risk exposure with your group health insurance, please contact the insurance pros at ARCW Insurance.  We are here to help.