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Navigate the Waters with Confidence with Sun Coast PWC Insurance

Get coverage that keeps up with your adventures. Sun Coast’s PWC insurance helps protect your Jet Ski, WaveRunner, or Sea-Doo from accidents, theft, and more—so you can ride worry-free.
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Or, Call 1 (877) 240-4678
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Essential Coverage
Understanding Personal Watercraft Insurance
Personal Watercraft Insurance is designed to protect owners and operators of watercraft such as Jet Skis, WaveRunners and Sea-Doos. This specialized insurance covers a range of risks, including accidents, theft, and environmental damage, ensuring that your time on the water is as carefree as it is thrilling.
What’s Covered
What Can Be Covered With PWC Insurance Coverage?
Sun Coast’s PWC Insurance offers extensive protection to keep your adventures worry-free. Explore the specifics of our coverage:
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High Medical Payment Limits
Our policy offers medical payment coverage up to $25,000, ensuring you, your friends, and family are protected against medical costs due to injuries, regardless of who’s at fault.
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Replacement Cost for Personal Items
If personal items like clothing, sunglasses, or phones are damaged while using your PWC, we provide up to $5,000 to replace them with new items of similar model and quality, ensuring you’re not out of pocket for these essentials.
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Total Loss Coverage
If your PWC is a total loss within the first three model years, we offer to replace it with a new unit of the current year model. For PWCs older than three years, you receive the actual cash value of your PWC at the time of the loss.
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Towing Coverage
Enjoy the freedom to use your PWC anywhere in the US or Canada with comprehensive towing coverage that helps you get back to shore without hassle, whether you’re in home waters or exploring new horizons.
Important Exclusions
What Does PWC Insurance Not Cover?
While PWC Insurance provides extensive coverage, it does not cover:

- Normal wear and tear of the watercraft.
- Damage from aquatic life such as sharks or whales.
- Personal belongings that are not permanently attached to the watercraft.
Trust

Trust, Simplicity, and Savings: The Sun Coast Way

Partner with us for seamless and supportive PWC insurance for your Jet Ski, WaveRunner, Sea-Doo and more. Our dedicated team of agents and customizable, budget-friendly plans ensure you get the coverage you need, exactly when you need it.
Get a Quote
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Or, Call 1 (877) 240-4678
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3,500+ Agents to Ready to Assist You
Sun Coast has over 3,500 independent agents in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington.
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Savings Centered
We offer you the insurance coverage you want, without all the unnecessary extras. When you only pay for the coverage you need or want, you save.
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Support

Got questions about PWC Insurance?

We have answers for you on all things insurance.
Who needs PWC Insurance?
Any owner or operator of a personal watercraft who wants to protect against potential liabilities and damage should have PWC Insurance.
What types of PWCs are covered under this insurance?
Our insurance covers all types of personal watercraft, including jet skis, wave runners, and other similar vehicles.
Are there any discounts available for PWC Insurance?
Yes, we offer discounts for owning multiple policies and having a history of safe operation.
What factors affect the cost of PWC Insurance?
Factors include the type and value of the PWC, your boating history, chosen coverage options, and where you typically operate your watercraft.
Is Personal Watercraft Insurance required?
Only a few states mandate boat insurance, but PWC insurance is important if you’re liable in an on-water accident or you damage your watercraft.
Our blog

Browse the Blog

The Sun Coast Blog is your go-to guide for all marine insurance knowledge.
View All Posts
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California's New Boater Card Rule: Everything You Need to Know
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First-Time Captain? 5 Rookie Mistakes (and How to Dodge Them)
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Reviews
See What Our Customers Are Saying
From excellent discounts to incredible support, there is enough to love about Sun Coast Insurance.
“Great rates. Flawless transaction best rates I found!”
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CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
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Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
Icon of CJ
CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
Icon of Amber
Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
Icon of Chelsea
Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
Icon of Shantell
Shantell
Sun Coast Customer
What else needs to be insured?
Explore our other insurance products that you can pair with your insurance.
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Get a quote with Sun Coast and see how much you can save on Insurance

Comparing our carrier’s rates and coverage is easy. Start saving on your insurance today.
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Any Questions?
Get in touch! We’re here to help.
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Copyright Sun Coast General Insurance Agency, Inc. |  PO Box 30750, Laguna Hills, CA 92654-0750
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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.