Personal Watercraft Insurance

Most people refer to a personal watercraft, or a PWC, by the brand name (Jet Ski®, WaveRunner® or SEADOO®). Whatever you call it, American Modern® can protect it.

Discounts

Loss free renewal – 5% on first renewal, 10% on successive years

Experience – We will adjust the rate to reflect your boating experience.

Insuring multiple units – 10% if insuring two or more

 

Included coverage

Personal watercraft are best protected with physical damage protection for the hull, comprehensive coverage for other kinds of damage or loss, plus liability coverage. Where appropriate, a liability only policy can be written.

Market value settlement – In the event of a total loss or theft, we pay the market value (actual cash value), which includes a deduction for depreciation. For a partial loss, we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.

Medical payments – Policy includes $1,000 of coverage which can be increased up to $5,000.

 

Optional coverage

Advantage endorsement –

  • Uninsured watercraft and non-owned watercraft liability covered to $15,000 or 50% of per person watercraft liability.
  • Personal effects covered to $150.
  • Emergency assistance and towing covered to $150 ($300 per term).

Advantage Plus endorsement –

  • Uninsured watercraft and non-owned watercraft liability coverage equal to per person watercraft liability.
  • Personal effects covered to $300.
  • Emergency assistance and towing covered to $250 ($500 per term).

Trailer or boat lift – Add physical damage coverage for a trailer designed to transport your insured boat or the lift to take it out of the water.

Watersport liability – Add protection beyond general liability.

 

Flexible payment options

Automate monthly installments with EZPay, or pay by check or credit card, either in full or in two payments.

Learn More

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