Personal Watercraft Insurance

Personal watercraft insurance is the shield between your prized jet ski and disaster. It’s not just a policy—it’s protection for the machine that delivers your summer thrills.

When you throttle across the water on your Sea-Doo or WaveRunner, this specialized coverage follows you. It stands guard over your hull, engine, trailer, and the gear you’ve invested in. More importantly, it defends your finances when an accident happens and someone gets hurt or property gets damaged.

Your homeowner’s policy abandons your watercraft the moment it leaves your property. Your auto insurance won’t acknowledge it exists—whether it’s on your trailer or slicing through waves. Personal watercraft insurance bridges this protection gap. It works where you play: on real water, in real situations, when real problems happen.

Because a perfect day can capsize in seconds.

The lake doesn’t grant immunity to your brand-new Yamaha. The ocean doesn’t care about the years you’ve spent mastering your Kawasaki. Nature strikes. Equipment fails. Other riders make mistakes. Suddenly, your 60-mph rush becomes a $10,000 regret.

This isn’t ordinary insurance—it’s the difference between a financial wipeout and a quick recovery. It stands between your bank account and the unexpected. It protects your investment whether it’s skimming across the bay or winterized in your garage. Theft happens. Vandalism happens. Accidents happen.

The law might not demand that you insure your personal watercraft. But the risk of riding without protection should make you think twice. If you value what you’ve built—and the freedom it represents—proper coverage isn’t optional.

If it jets across the water with you at the controls, chances are we can insure it. Whether you’re performing tricks on waves or cruising the coastline with friends, we’ll help you protect the ride that matches your lifestyle.

• Jet Skis: The original thrill machine. We offer protection as dynamic as your riding style, with coverage that keeps pace with how you enjoy the water.
• WaveRunners: Built for performance and handling. Insurance tailored to protect your Yamaha, whether you’re racing across open water or navigating tight spaces.
• Sea-Doos: Engineered for fun and versatility. We cover your craft against damage, liability, and the unexpected, so you can focus on the ride.
• Stand-Up Models: For the true enthusiasts. Specialized coverage for these more athletic machines that require skill and balance to operate.

Some personal watercraft need more than a standard policy.

If you own a high-performance model, use your PWC for competitions, or tow water-skiers regularly, you’ll likely need special endorsements or a policy built for that purpose. These aren’t edge cases—they’re everyday uses that fall outside most basic PWC coverage.

Insurers look at how, where, and why you use your watercraft. Speed, horsepower, design, even your primary riding location—they all matter.

The key is knowing what qualifies as “special use” before a claim ever happens. That’s where we come in. We’ll help you avoid coverage gaps and make sure your personal watercraft is protected the way you actually use it.

There’s no flat rate for PWC insurance. And that’s a good thing.

What you pay depends on what you ride, where you keep it, and how you use it. A standard model stored in your garage will cost less to insure than a high-performance craft kept at a coastal marina.

Insurers look at factors like:

• The type, age, and value of your watercraft
• Where you ride—lake, river, coastal, or open water
• Your riding experience and claims history
• Storage and security
• The coverages and limits you choose

On average, most PWC owners pay anywhere from a couple hundred to several hundred dollars a year. But the real question isn’t “What’s the cheapest policy?”—it’s “What coverage gives me the confidence to hit the throttle without worry?”

That’s where we come in. We’ll help you find the right protection at a price that makes sense.

No two riders shop the same way. That’s why we make it easy to get covered—on your terms.

• Start Online – Quick, private, and always open. Get a quote without picking up the phone.
• Talk to an IronPoint Agent – Prefer real help from someone who knows the ropes? Call us. You’ll talk to an agent who understands personal watercraft—and how to insure them properly.

However you start, you’ll end up in the same good place: with a policy that fits, backed by carriers you can trust. And if something ever goes wrong, you’ll already know who to call.

You don’t need to know everything about your personal watercraft to get started—but a few basic details go a long way in helping us find the right coverage, fast.

Here’s what helps us get it right the first time:

• Year, make, and model
• Engine size and horsepower
• Where you keep it—on a trailer, in a slip, or at a marina
• How you use it—casual riding, tricks, towing, or something else
• A rough idea of your riding experience

That’s really it. If we need more, we’ll ask. The goal is simple: get you a quote that’s accurate, affordable, and built for how you actually use your personal watercraft.