Watercraft Insurance

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Watercraft INSURANCE

Get a PWC insurance quote for your Jet Ski, WaveRunner or Sea-Doo.

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.


What does PWC insurance cover?

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.

High 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.

Replacement cost for personal items

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).

Total loss coverage

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.

Towing Coverage

Enjoy using your PWC anywhere in the US or Canada, without limits on where you can boat.

Affordable coverage you can count on.

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.

Accessible Support

Day or night, we have all the information you need to get rolling.

Get Covered Fast

Most policies can be made available very quickly, letting you get on the road.

Affordable Rates

Sun Coast is all about giving the best rate and value to the customer.


Tips for quoting watercraft insurance

Here are a few things you need to know to get started on the best coverage.

  • Most states have age limitations for operating a PWC, but if your state does not have an age requirement, make sure any minors who will be regularly operating your PWC are included on your policy as listed operators.
  • Disclose any enhancements made to your PWC to increase speed or performance; your insurer may not cover a PWC with certain modifications.
  • The hull identification number is necessary to purchase a PWC policy; if you don’t have the hull ID number handy, you can still get a quote if you know your PWC’s year, make, and model.
  • Completing a boater safety course can lower your insurance rate.

Got questions? We have answers.

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.

How much does PWC insurance cost?

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.

Looking to get the most out of your insurance?

Sun Coast Blog is your go-to guide for the right insurance for you.

Comparing our carrier's rates and coverage is easy.

Get your insurance quote and start saving today. Want to talk to one of our representatives? Give us a call and we can answer any question you may have.
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