What is PWC Personal Effects Coverage?

What Personal Effects Coverage May Include

Personal effects coverage may help pay to replace personal items damaged, lost, or destroyed while you're using your PWC. Covered items typically include:

• Clothing and wetsuits worn while riding
• Sunglasses and eyewear
• Phones and waterproof cases
• Cameras and action cameras
• Water sports equipment connected to your PWC use
• Personal items stored on the watercraft at the time of loss

Sun Coast policies may offer up to $5,000 in personal effects coverage at replacement cost — meaning covered items may be replaced with new items of similar kind and quality, not depreciated value.

Replacement Cost vs. Actual Cash Value for Personal Items

Replacement cost coverage pays to replace a damaged or lost item with a new equivalent. Actual cash value pays the depreciated market value — which for a two-year-old phone or pair of sunglasses may be significantly less than what it costs to replace them.

For personal effects, replacement cost is the right structure. The difference in premium is typically small; the difference in a claim payout can be meaningful.

What Personal Effects Coverage Typically Does Not Cover

• Items not in use or connected with PWC operation at the time of loss
• High-value jewelry or specialty items above policy limits (additional endorsements may be available)
• Intentional damage or loss
• Items covered under a separate insurance policy