Personal watercraft (PWC) are fast and flexible with an inboard jet drive for thrills you generally won’t get on a boat. Sun Coast has contracts with many insurers so we can find a carrier to insure just about every common PWC types, including Jet Skis, WaveRunners, and Sea-Doos, so you can ride protected. Before you play on the water, get the right coverages with an affordable personal watercraft insurance policy.
Your policy can cover you and your passengers if they’re injured in an accident for which you're responsible, up to specified limits. You can also add medical payments coverage, which will help cover medical costs for you and your passengers in an accident—regardless of fault, up to your policy’s limits.
Medical payments coverage limits are offered up to $25,000. Medical payments can cover injuries to you, your friends, and family members if they’re injured on your PWC, regardless of fault.
Coverage is available up to $5,000 for your personal property, such as clothing, sunglasses, and phones. Replacement cost means if we can’t repair your damaged items, we’ll pay what it costs for new ones (similar model).
If your PWC is declared a total loss within the first 3 model years, you may be covered for what it costs to buy a brand new one (MSRP of the current year model). After your PWC is more than 3 model years old, we’ll pay you the actual cash value of your PWC at the time of a total loss.
Enjoy using your PWC anywhere in the US or Canada, without limits on where you can boat.
Price is only one reason why Sun Coast a good choice for Personal Watercraft insurance. We also make shopping, owning, and servicing your policy easy.
Day or night, we have all the information you need to get rolling.
Most policies can be made available very quickly, letting you get on the road.
Sun Coast is all about giving the best rate and value to the customer.
Here are a few things you need to know to get started on the best coverage.
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.
You can get cheap Jet Ski, WaveRunner, or Sea-Doo insurance for as low as $100/year. We offer a variety of discounts when you get an insurance quote, including one for having more than one PWC on your policy.
Sun Coast Blog is your go-to guide for the right insurance for you.
A quick guide on who needs to be on your policy: everyone that drives the vehicle.
Get a policy that is the perfect fit for your business.