What is PWC Towing Coverage?

What PWC Towing Coverage May Include

On-water towing may cover the cost of a tow if your PWC becomes disabled on the water — whether from a mechanical failure, fuel issue, electrical problem, or other breakdown that leaves you unable to return to shore under your own power.

Emergency assistance for situations where your watercraft needs to be extracted, moved, or stabilized after an incident on the water.

Why Towing Coverage Matters on Large Waterways

Towing coverage is particularly valuable on expansive waterways where distances to the marina are significant:

• Lake Mead — 247 square miles; outer coves can be miles from the nearest marina
• Lake Powell — 186 miles long; a breakdown in a remote canyon arm can mean a very long tow
• Lake Havasu — large enough that a tow from the far end of the lake to a marina adds up quickly
• Coastal and ocean riding — towing rates in saltwater environments tend to run higher than freshwater

On smaller, more contained lakes, you may reach shore on your own or with nearby assistance. On large reservoirs and coastal waters, towing coverage is the right safety net.

What Towing Coverage Typically Does Not Cover

• Towing costs for a PWC that was operated outside of navigable waterways
• Situations where the breakdown was caused by intentional damage or neglect
• Trailer towing on land (that falls under roadside assistance on your auto policy)