Jet skis and personal watercraft are one of Florida’s most popular summer activities — and one of the most frequently involved in on-water accidents. Standard homeowners and auto policies do NOT cover personal watercraft. A dedicated PWC policy from Insure USA, Inc. gives you the protection you need to ride with confidence.
What Does Personal Watercraft Insurance Cover?
- Bodily injury liability if you injure another person or passenger
- Property damage liability for damage to other watercraft or property
- Collision coverage for damage to your jet ski in an accident
- Comprehensive — theft, vandalism, fire, and storm damage
- Medical payments for your own injuries regardless of fault
- Uninsured watercraft motorist coverage
- Custom parts and accessories coverage for aftermarket upgrades
- On-water towing and roadside assistance
Florida Boating Laws and PWC
Florida requires all PWC operators born after January 1, 1988, to complete a boating safety course. While liability insurance is not currently mandated for jet skis in Florida, marina operators and storage facilities often require proof of liability coverage. Riding without insurance also exposes you to personal liability for any accident you cause.
Seasonal and Year-Round Policies
Florida’s climate means many riders operate their PWC year-round. Others store their craft during winter months. Some carriers offer seasonal policies or layup endorsements that suspend physical damage coverage during off-season storage — reducing your premium while keeping theft and fire protection active.
Get Personal Watercraft Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Personal Watercraft Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.