Watercraft Insurance: PWC and Jet Ski Coverage

There's nothing like the thrill of riding across the water on a personal watercraft (PWC)—part boat, part motorcycle, and 100% fun. Whether you're cruising on a WaveRunner, Jet Ski, or Sea-Doo, these inboard-engine watercraft deliver an exhilarating experience. But just like any vehicle, they come with risks. That's why having the right watercraft insurance is essential to protect yourself, your passengers, and your PWC.

Don't let an unexpected accident leave you stranded on shore. With GEICO's PWC insurance, you can enjoy peace of mind knowing you're covered. GEICO Marine Insurance Company offers comprehensive PWC insurance with flexible coverage options. Getting a personal watercraft insurance quote is quick, easy, and—best of all—free! If you have questions about your watercraft coverage, call us at (855) 395-1412.

What is PWC insurance?

PWC insurance helps insure you and your personal watercraft against accidents, theft, and liability. That means smooth riding. The GEICO Marine Insurance Company can help you get the right personal watercraft policy to suit your needs.

What does PWC insurance cover?

The most important part that's covered is you. A personal watercraft insurance policy typically insures you against many common liability losses regardless of whether you operate it yourself or loan it to another person.

In situations like these, you may be covered for:

• Liability coverage for damage to another craft, dock, or property
• Bodily injury or death to another person due to your negligence
• The negligence of another driver while using your PWC
• Towed water skiers or wake boarders who become injured using your craft
• Physical damage to the watercraft's hull, engine, and onboard equipment
• Injury to you caused by an uninsured watercraft operator
• An optional Boat towing coverage through TowBoatUS if you break down on the water

What is excluded from a PWC insurance policy?

Because insurance needs differ depending on the type of personal watercraft you own, read the details in your policy to see what is covered and what is specifically excluded.

Examples of what's not typically covered:

• PWCs that have been modified for high performance or increased speed
• Operation of a PWC after dark (dusk to dawn)

You should read each line in your policy to get the facts on excluded items.

PWC State-Specific Requirements and Regulations

Before you hit the water on your personal watercraft, it's important to understand the state-specific laws that may apply to you. Here's what you need to know to stay compliant—and safe—on the water.

Legal Requirements

While not all states require PWC insurance, some do mandate minimum liability coverage for bodily injury and property damage. These laws are in place to ensure that PWC operators are financially capable in the event of an accident. Many states also have licensing or registration requirements. This may include completing a boater safety education course, meeting age restrictions for operators, or registering your PWC with a local agency.

Requirements can differ based on where you live, so it's a good idea to check the latest regulations before heading out. To find the most accurate and up-to-date legal information for your area, visit your state's Department of Motor Vehicles (DMV), natural resources agency, or boating safety website.

Proof of Insurance

Even if insurance isn't required in your state, there are situations where you may still need to show proof of coverage. Marinas may require it for docking privileges, certain state agencies may need it for registration purposes, and lenders often mandate coverage for financed PWCs. Accepted formats for proof of insurance include:

• Printed insurance ID cards
• Digital proof through and insurance app or email
• Verification through state-specific electronic systems, where applicable

PWC Claims Process and Support

If something happens to your PWC, we're here to help make the claims process as smooth as possible. Whether it's damage from an accident or a covered loss, here's how to get started and what to expect every step of the way with GEICO.

1. Report the incident: File your claim online or by calling (800)-937-1937 as soon as possible.
2. Gather documentation: Include photos of the damage, a police or accident report (if available), and any repair estimates or receipts.
3. Work with a claims adjuster: A GEICO adjuster will review your claim, guide you through the next steps, and keep you updated on progress.
4. Receive payment for damages: If your loss is covered, a payment will be issued to you and any additional loss payees; or, choose to have the payment sent directly to your repair facility.

What types of PWC can the GEICO Marine Insurance Company help you insure?

While the official definition of a personal watercraft varies from state to state, these are two of the more common types of personal watercrafts that GEICO Marine Insurance Company can help you insure:

• A stand-up PWC allows for one rider who either stands or kneels on the watercraft, as opposed to sitting. Leading brands of stand-up PWCs include Kawasaki and Yamaha.
• Sit-down PWC: These allow for two to four riders and often have the capability to tow water skiers and wakeboarders, making them ideal for families and watersports enthusiasts.

Can I add a PWC to an existing boat insurance policy?

No, your PWC will need its own insurance policy. You can get a personal watercraft insurance quote. It's easy. We can help you find the right coverage. If you're looking for coverage for other types of watercraft, check out our boat insurance page for more details.