What insurance do I need for a jet ski?

I just purchased a jet ski. What type of insurance do I need for it? Can I add it to my car insurance policy?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“To insure your jet ski, you’ll need a personal watercraft policy. This is also known as PWC insurance.
Personal watercraft insurance is very similar to
car insurance
and covers things like:
  • Bodily injury
  • Property damage
  • Collision
  • Comprehensive
  • Uninsured watercraft operator
You’ll want to reach out to your car insurance company to determine whether they offer boat or personal watercraft insurance. If they do, you may be able to
bundle your policies
. Having multiple policies with one company can often get you a discount.
If your current company does not offer PWC insurance, you’ll need to shop around. Larger insurance companies like
, Nationwide, and Progressive offer personal watercraft insurance. You can also look into local or regional companies in your area.
If you’re looking to bundle your car and PWC insurance,
is a great tool to use—we’ll get you customized quotes from multiple different providers instantly so that you can choose the plan that works best for you. And if you need to switch to a new provider, we’ll even help you switch! That way, you can focus your time and energy where it matters: getting that jet ski out onto the water!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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