- Personal Watercraft Insurance
- Included Coverage
- Options
- How to Save
- Get a Quote
PWC insurance for fun on the water
Most people refer to a personal watercraft, or a PWC, by the brand name of their machine – Jet Ski® WaveRunner® or SEADOO® – whatever you call it, American Modern can protect it. – whatever you call it, American Modern can protect it.
Full coverage
You and your PWC are covered for liability [?] Liability coverage
Casualty insurance has three components:liability,collision and comprehensive.The liability portion of the policy covers your legal responsibility for bodily injury to someone or damage to someone's property.It does not include physical damage protection for your own vehicle or injuries. collision [?] Collision coverage
Casualty insurance has three components:liability,collision,and comprehensive.The collision portion of the policy covers your vehicle from physical damage caused by accidental contact with another vehicle or an object such as a tree or street sign. and comprehensive [?] Comprehensive coverage
Casualty insurance has three components: liability, collision, and comprehensive.The comprehensive portion of the policy protects your vehicle from physical damage caused by anything other than a collision,such as fire, windstorm or vandalism.Theft is also a comprehensive coverage. losses. With full coverage you can add options to your policy.
Liability only
If you have an older model, you may want to exclude physical damage coverage and insure yourself just for liability.
Your agent can discuss with you the merits and limitations of each approach.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Choose between two coverage levels
Full coverage
You and your PWC are covered for liability, collision, and comprehensive losses. With full coverage you can add options to your policy.
Liability only
Your PWC is insured just for liability requirements of your state. Physical damage coverage is not part of your policy.
Market value settlement
Your PWC is insured for its market value. This is also called actual cash value or ACV. Depreciation is taken into account when determining the value.
Medical payments
The included $1,000 in medical payments [?] Medical Payments
Included in casualty policies is coverage for medical expenses caused by an accident-related injury.It is intended to cover basic medical costs without the need to assign responsibility for the accident.The coverage amount is generally a few thousand dollars,and is separate from liability coverage. coverage can be increased to $5,000.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Expand your coverage with
Advantage endorsement
- Uninsured watercraft and non-owned watercraft liability of $15,000 or 50% of per person watercraft liability
- Personal effect covered to $150
- Emergency assistance and towing covered to $150 ($300 per term)
Advantage Plus endorsement
- Uninsured watercraft and non-owned watercraft liability equal to per person watercraft liability
- Personal effect covered to $300
- Emergency assistance and towing covered to $250 ($500 per term)
Additional coverage options
Watersport liability
If your family likes to water ski, wakeboard or tube-ride, this option is just for you.
Trailer
Protect the trailer you use to tow your PWC.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
We offer you three savings opportunities
Experience
Save 10% if you have three years of ownership.
Claim free renewal
Save 5% on first renewal and 10% each successive year.
Multiple units
Save 10% if you insure multiple units with us.
Flexible payment options
Option 1 -- start EZPay to automate your payments
Many customers want the convenience of monthly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.
Option 2 -- pay after we send you a bill
You either can pay in full at the time you start or renew the policy, or in many states we offer installments on a 2-Pay schedule – half up-front and the balance due in 60 days. A service fee applies to each installment. Pay by personal check, credit card, or bank account transfer.
Some states place limits on the payment plan schedules we can offer or the service fee. To confirm, check with your agent or call Customer Care at 800-543-2644.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
Talk to an agent
If you want a quote now, or have questions about our PWC program, call us at 866-884-6167.
Our hours are 8 a.m. to 8 p.m. Monday through Friday.
Ask us to contact you
After hours, fill out this short form with information about your PWC. One of our agents will follow up with you to talk about the policy cost, the coverage, and your options.
However you first reach us, your business will be assigned to an authorized agent for service and support. We appreciate your interest in American Modern and our specialty insurance programs.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.
