Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative at Insurance Designers about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.
The personal watercraft policy covers:
- Bodily injury
- Property damage
- Guest passenger liabilityMedical payments
Liability limits start at $15,000 and can be increased to $300,000.Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.Additional coverage can also be purchased for trailers and other accessories.You should talk to your insurance representative about the type of coverage that would best suit your needs.