What to Look For in a personal watercraft Insurance Policy
Personal Watercraft enthusiasts know how important it is to have coverages beyond the standards offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their PWC is completely covered under their homeowner's policy until they have a loss.

Coverages
Customers should look for specialized coverages that aren't always available under other policies out there. These include things like:

• Wreck Removal
• High Liability limits
• Waterskiing and Towing Sports Liability Coverage

Optional coverages should also give water enthusiasts that little extra - the custom coverages that fit their lifestyle, whether they enjoy early-morning cruises or afternoon wave-riding. Some of the options to look for include:

• Towing and Assistance - for the PWC and trailer
• Coverage for racks, windshields and other permanent accessories

Don't forget discounts!
What might look like the most cost-effective policy at first, might really not be after factoring in the discounts you could be eligible for with a specialized policy, including:

• Multi-Unit
• Renewal
• Prior Insurance
• Multi-Policy

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.

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