Who rides it matters
Insurers commonly ask who will operate the watercraft. Mention any regular riders, including younger family members, when you request a quote.
Liability is a big part of the conversation
Because PWCs are often operated near swimmers, docks and other boats, ask how a policy addresses liability for injuries or property damage to others. See our boat liability insurance guide.
Personal use only
Renting a PWC to others is a different risk. Our quote form is designed for personally owned watercraft.
Trailers and multiple watercraft
If you own two skis on one trailer, tell us — some owners prefer to insure them together. Ask how the trailer itself is treated.
Frequently asked questions
General information only, not legal or insurance advice. Coverage availability and terms vary by insurer and policy.