Personal Watercraft

Coverage that keeps you afloat.

Boats, jet skis and wave runners are watercraft that require policies separate from homeowners or renters insurance. The size, type, value and waterways where you use your boat or other vehicle factor into how much you will pay for coverage, as does physical loss or damage options you may choose.

Coverage Types

Typically, a watercraft policy covers:

Bodily Injury
for injuries caused to another person.

Property Damage
for damage caused to someone else's property as the result of an accident.

Guest Passenger Liability
for any legal expenses incurred by someone using the watercraft with the owner's permission.

Medical Payments
for injuries to the watercraft owner and/or any passengers.

Collision
covers damage to your watercraft if involved in an accident, usually up to the book value of the vehicle prior to the loss.

Comprehensive
reimburses you for theft or damage not related to an accident with another vehicle. Common comprehensive claims include fire, falling objects, missiles, explosion, vandalism and contact with animals (such as birds or deer).

Fully covering your boat or other personal watercraft doesn't mean you're sunk financially! In fact, many companies offer discounts on such items as:

• Diesel powered crafts (less volatile than gasoline and less likely to explode)
• Coast Guard approved fire extinguishers
• Ship-to-shore radios
• Claims-free experience (typically a minimum of 2 years)
• Multi-policies with the same insurer
• Enrollment in and completion of safety education courses

Maritime Insurance has the expertise to help you navigate through the complex world of personal watercraft insurance. Because our focus is you and your needs, we don't compromise your coverage for the sake of price. And, because we're local, we can meet with you on your schedule to discuss what you want and expect from your personal watercraft policy. Contact a specialist today and we'll get you safely on the water in no time.