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New customer to Sun Coast? You are in the right place. Select a product below to get started.
Buying your first Jet Ski is exciting—until you find yourself stranded, uninsured, or unknowingly breaking the rules. A personal watercraft (PWC) might look simple, but ownership comes with responsibilities that are easy to overlook.
Here are five common mistakes new Jet Ski owners make—and how to avoid them.
Many first-time owners think their Jet Ski is covered under an existing boat or homeowners policy. In most cases, that’s a risky assumption.
Homeowners insurance might offer limited protection (like theft from your garage), but it usually won’t cover injuries, accidents, or liability on the water. And boat insurance? Some policies exclude PWCs entirely—or only offer partial coverage.
Before you ride, confirm with your policy whether your current coverage applies to personal watercraft. You may need a dedicated PWC insurance policy.
Learn more: Check Your Policy: What to Review Before You Ride Your PWC
Some states require PWC operators to complete a boating safety course, especially younger riders. Even if it’s not mandatory where you live, taking a course can improve your skills—and often qualify you for an insurance discount.
Plus, being safety-conscious helps you avoid accidents and fines, which no one wants on their first weekend out.
Every state (and even some lakes or parks) has its own rules about PWC use. These might include speed limits, age restrictions, no-wake zones, and hours of operation.
Ignoring local laws can lead to citations or worse—liability in the event of an accident. Before hitting the water, check the regulations for where you plan to ride.
PWCs are magnets for theft, weather damage, and mold if not stored correctly. Leaving your Jet Ski exposed or unsecured can also affect your insurance claim if something goes wrong.
Store your Jet Ski in a secure, covered location. Use a lock, invest in a good cover, and consider off-season lay-up coverage if you're putting it away for the winter.
Jet Skis may have a lower entry price than boats, but the ongoing costs can add up: fuel, maintenance, trailer registration, storage, and insurance.
Many new owners budget for the purchase but forget the upkeep. Make sure you factor in the full cost of ownership so you're not surprised down the line.
