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Jet Skis to Paddle Boards, We’ve Got You Covered
Jet skis and smaller recreational craft face unique risks—and they’re not always covered under standard boat insurance policies. Advisors makes sure your watercraft is properly classified so you get the right protection and no surprises when it comes to claims.
Why Small Craft Need More Than a Boat Policy
Watercraft policies function much like boat insurance, but they come with their own set of rules. Many boat policies exclude jet skis, so having a dedicated watercraft policy ensures you’re covered for liability, theft, damage, and more. Advisors helps clarify the fine print so you can enjoy the water without worry.
Liability Coverage
Pays if you’re responsible for injury or property damage while operating your jet ski or small craft.
Physical Damage
Covers repair or replacement if your watercraft is damaged in an accident or by risks like theft or vandalism.
Medical Payments
Helps cover medical expenses for you and passengers injured while using your watercraft.
Trailer Coverage
Protects the trailer that transports your watercraft to and from the water.
Mandatory Coverages
The essentials every watercraft owner should carry:
Protects you financially if you’re held responsible for injury or damage while operating your craft.
Covers the cost to repair or replace your jet ski or watercraft after a covered incident.
Provides support for medical costs tied to watercraft-related accidents.
Optional Coverages
Flexible protections you can add to match your lake-life needs.
Protects you if another boater without insurance causes damage or injury.
Covers theft or damage of your watercraft trailer.
Adds protection for detachable items like GPS, covers, or tow ropes.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Usually not. Most boat insurance excludes personal watercraft like jet skis, so a separate policy is required.
Yes. Even occasional use carries risk—liability and damage can happen in a single outing.
Typically no. Homeowner’s policies rarely extend to motorized watercraft.
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“I have been with Advisors Insurance for several years and they always make sure I’m properly covered. Their service is professional, responsive, and they go the extra mile to explain my options.”
