Specialty Features that Anticipate
Your Special Needs
Broad, affordable protection from a watercraft insurance leader
Not all insurance policies are the same. That's because some companies only offer watercraft insurance as an accommodation to their customers while others specialize in meeting the unique needs of Personal Watercraft owners. And, the differences don't stop there, as there are important variations from one specialty policy to another.
The American Modern JetSport Personal Watercraft policy is one of the best at providing the broad coverage and "user friendly" features you need in an insurance policy. The companies of the American Modern Insurance Group (American Modern) are leaders in providing physical damage and liability insurance to personal watercraft owners throughout the United States. The right combination of insurance and safe operations will greatly enhance your time on the water- all year long.
- Why It's Good to Have a Specialty Policy
- Personal Watercraft Coverages
- Policy Discounts
- Handy Options, Benefits and Extras
- Read Your Policy Carefully
- How to Obtain an American Modern Policy
- Personal Watercraft Insurance and Safety
Why It's Good to Have a Specialty Policy
 |
A Policy Designed to Meet Your Needs. At American Modern, our focus is on providing quality protection for just a few select types of insurance, including manufactured homes, motorcycles and personal watercraft. Our specialty focus helps us better understand the products we insure, so we can provide a policy that is designed to meet your needs. You may not get that from a carrier who offers lots of different types of insurance.
Not all Personal Watercraft Policies are the Same. Items like homes and cars are insured on standardized insurance forms, so for the most part everyone gets the same basic coverage regardless of the carrier. But with personal watercraft, there are no standard insurance forms. Each carrier develops their own policy, which results in some policies being very comprehensive, others being very basic, and most being somewhere in between. Plus, some carriers understand personal watercraft owners needs better than others. With so many choices out there, it's a good idea to go with a carrier that specializes in personal watercraft insurance.
Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your personal watercraft by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as coverage options such as uninsured watercraft and emergency towing, you need the protection of a specialty policy.
[ Return to Top ]
Personal Watercraft Coverages
|
- Physical Damage Coverage. Market value protection against damage to or theft of your personal watercraft.
- Liability Coverage. You can be held liable for injuries that happen to others while you are boating. We provide both liability protection and coverage for bodily injury to family and non-family members so that everyone is protected.
- Medical Payments. Pays to policy limits for medical bills resulting from an accident that happens while you operate your personal watercraft. Provides protection for the policyholder, immediate family members, as well as non-family members involved in the accident. Coverage is per person, not just per accident!
- JetSport Advantage for Personal Watercraft. This optional protection includes the following coverages:
- Uninsured Watercraft - protection for when another boater collides with the personal watercraft you are operating and that boater is not properly insured.
- Non-owned Watercraft Liability - extends your policy's liability coverage to any personal watercraft you operate.
- Emergency Assistance and Towing - in the event your personal watercraft breaks down on the water, and even if your trailer breaks down while you are taking your personal watercraft somewhere.
- Trailer Coverage. This optional coverage protects the trailer you use to tow your personal watercraft.
[ Return to Top ]
Policy Discounts
|
Nobody wants to pay more than they need to. American Modern offers a couple options that can lower your premium payment:
- Multi Unit Discount. Insure two or more watercraft with American Modern to receive this discount.
- Remove Machinery Damage Coverage from Your Policy. On older personal watercraft, the deductible for an accident may be higher than the cost to repair or replace the machinery inside the unit. If you choose to remove coverage for machinery damage from your policy, we'll discount your premium accordingly.
[ Return to Top ]
Handy Options, Benefits and Extras
|
- Coverage in U.S. and Canadian Waters. Many policies specify exactly when and where you can use your personal watercraft - to the point of naming specific lakes and waterways! With American Modern, you're covered wherever you operate your boat in U.S. and Canadian waters.
- Many Deductible Options Available. Talk to your agent about which one is right for you.
- Convenient Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in two or four installments. We also take debit cards, Discover®, MasterCard®, Visa® and American Express®.
- Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!
[ Return to Top ]
Read Your Policy Carefully
|
Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.
How to Obtain an American Modern Policy
|
We have Agents located throughout the country. To find one in your area, please us or contact Customer Care Services Monday through Friday, 8 a.m. to 7 p.m. Eastern Standard Time.
[ Return to Top ]
( Note: Not all products available in all states. )
( Note: Not all products available in all states. )
Last Updated on April 13, 2006
