Jet ski insurance, also known as personal watercraft (PWC) insurance, is crucial for protecting yourself from hefty expenses due to accidents, storms, or other unforeseen events. Similar to auto insurance, it offers various coverages tailored to your needs and budget. Finding the right policy can be daunting, but we’ve compiled a list of the best jet ski insurance providers in 2024 to simplify your search.
Best Jet Ski Insurance Providers:
Ski Safe:
- Affordable premiums starting at $85 annually.
- Flexible coverage options including liability, physical damage, towing, and roadside assistance.
- Discounts available for online purchase and completing boating safety courses.
- A+ rating from A.M. Best.
Nationwide:
- Offers bundling options for jet ski insurance along with other policies like auto and home insurance.
- Competitive rates with vanishing deductibles.
- Coverage includes liability, property damage, medical payments, and more.
- Discounts available for safety courses.
- A+ rating from A.M. Best.
Allstate:
- Provides various discounts for policyholders, including multi-policy, full-pay, and boat education course discounts.
- Benefits extend to partner merchants for additional savings.
- Coverage options include damage to watercraft, medical payments, liability protection, and more.
- Option for Agreed Upon Value coverage.
- Rates start as low as $25 a month.
Progressive:
- Offers multi-unit discounts for insuring multiple jet skis.
- Policies include liability, collision, medical payments, towing, and more.
- Discounts available for bundling with other Progressive policies and for experienced boaters.
- Deductibles range from $500 to $5,000.
- A+ rating from A.M. Best.
Markel:
- Specializes in customizable coverage for watersports enthusiasts.
- Coverage options include physical damage, liability, medical payments, and more.
- Discounts available for multi-unit policies and experienced boaters.
- Offers diminishing deductibles.
- Policies tailored to unique needs.
Global Marine Insurance Agency:
- Provides commercial jet ski insurance for rental businesses.
- Flexible coverage options for various commercial needs.
- Competitive pricing and easy online quote application.
- Additional coverage for dealership and marina operations available.
Conclusion:
Choosing the right jet ski insurance is essential for protecting your investment and ensuring peace of mind while on the water. Consider factors such as coverage options, discounts, and customer satisfaction when selecting a provider. Whether you’re a recreational rider or a commercial operator, there’s a policy that fits your needs and budget among the top providers listed above. Get a free quote from each provider to compare prices and coverage before making a decision