Personal Watercraft Insurance

Jet skis and personal watercraft provide incredible fun on Texas waters, but they also require proper insurance coverage. Personal watercraft insurance protects your investment, covers liability, and provides peace of mind whether you're riding South Padre Island, Lake Travis, or Falcon Lake. These machines are expensive and face unique risks that deserve specialized coverage.

Your policy covers physical damage to your watercraft from collisions, theft, vandalism, and weather. If your jet ski is damaged while on the water, in storage, or being transported, you're protected. Comprehensive coverage handles non-collision events like theft from your property or hail damage while in storage. Given how easy personal watercraft are to steal and how vulnerable they are to weather, this coverage matters significantly.

Liability coverage protects you if your watercraft causes injury to someone else or damages another boat or property. On crowded Texas lakes during summer weekends, accidents can happen quickly. Medical payments coverage handles injuries to you and your passengers regardless of who caused the accident. Given how easy it is to fall off a jet ski or collide with another watercraft, having proper medical coverage prevents financial stress after an accident.

Physical damage coverage extends to your trailer, which is essential for transporting your watercraft to different locations. Towing and assistance coverage gets you help when your jet ski breaks down on the water, saving you from being stranded far from shore. Uninsured boater coverage protects you if you're hit by someone without insurance—a real risk on Texas waters where not all recreational boaters carry adequate coverage.

We help personal watercraft owners understand their coverage needs based on where they ride, how often they use their equipment, and where they store it. Texas waters provide excellent recreation, and proper insurance ensures equipment problems or accidents don't ruin your investment or enjoyment.