Do You Need Boat Insurance for a Jet Ski or Personal Watercraft?

A personal watercraft (PWC), commonly referred to as a water scooter or jet ski, is inherently exposed to a range of risks both on the water and during storage or transport. Without proper coverage, a single incident may result in significant out-of-pocket expenses for repairs, medical bills or legal costs. Watercraft and boat insurance can financially safeguard you, your passengers and your vessel.

Is Boat Insurance Required for PWCs in Georgia?

While Georgia does not require PWC owners to carry liability insurance by state law, that does not mean you should skip coverage. Many marinas and waterways require proof of insurance before granting access. If you finance your PWC, your lender may also require you to carry certain coverage. Beyond legal requirements, riding without coverage leaves you financially responsible for any damages or injuries you cause on the water.

What Does Boat Insurance Cover?

Coverage options can vary by policy, but they often include:

• Third-party bodily injury and property damage liability if you cause them in an accident
• Physical damage to your own watercraft from collisions, theft or weather
• Uninsured/underinsured watercraft coverage for accidents involving riders who carry no insurance or insufficient coverage
• Towing and assistance if your PWC breaks down on the water

How Much Does Boat Insurance Cost?

PWC insurance costs vary based on factors like the watercraft’s value, your location, how often you ride and the coverage limits you choose. Insurers also often consider your driving record and claims history when determining your rate. To get more accurate pricing, you may request a personalized quote from Cadenas Insurance Agency.

Explore Your Options

Contact Cadenas Insurance Agency today to understand watercraft and boat insurance and find a policy that fits your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.