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Personal Water Craft Insurance

Personal Watercraft Insurance

From Jet Skis, Waverunners, Sea-Doos and more — we insure almost all of the common PWC vessels. American Family Insurance offers customized coverage designed specifically for personal water crafts, so you can take on the water knowing you have more than a life jacket protecting you from the unexpected.

PWC Insurance Coverages

Customize your personal watercraft insurance to fit your needs. Take a look at our coverages below.

Medical payments coverage: Medical expense coverage protects you and others in your boat. We’ll pay reasonable medical expenses incurred by you, members of your household or your guests for appropriate and necessary medical services resulting from a covered accidental injury that arises out of the ownership, maintenance or use of the insured watercraft and boating equipment.

Personal effects coverage: We offer coverage up to $100,000 for personal effects, such as your eye glasses, clothing, cameras and portable electronics. This means if we can’t repair your damaged items, we’ll help cover the cost for new ones or a similar model. This coverage is available for purchase.

Broad navigation: This covers your insured watercraft and boat equipment for losses that occur within the U.S. or Canada, or up to 100 nautical miles from the coast of either the U.S. or Canada.

*Included in your policy.

**Not including the territory or territorial waters of any country other than the U.S. or Canada.

Roadside assistance: If you’re stranded on the water you might need a tow to get back to shore. This Emergency Roadside and on-water service is included with your physical damage portion of your policy. It includes:

  • Costs to change or repair a flat or damaged tire on the trailer
  • Mechanical labor or other service up to one hour at the place of the breakdown
  • Towing by an authorized business to the nearest garage, marina, service station, or other service point where necessary repairs can be made
  • Delivery of gas, oil or loaned battery (we don’t pay for the cost of parts or materials, including gas and oil).

Fuel spill protection: If you’re legally responsible for a fuel or oil spill, this policy provides up to $10,000 per loss for fuel or oil spill cleanup resulting from an accidental oil or fuel spill. The limit for this coverage in any 12 month policy period is $20,000.

PWC limitations: We don’t cover propeller-driven personal watercrafts.

Connect with your American Family Insurance agent to get a personal watercraft quote — they’ll help you build a customized policy fit for your adventures on the water.


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