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Personal Watercraft Insurance

Special coverage for big water toys.

AIS Watercraft Insurance Agent

Personal Watercraft Insurance 101

When you have a personal watercraft, you need coverage on land, water, on the road and in storage. With the right watercraft insurance, you, your family and your watercraft are safe year-round. The AIS RV can quickly compare coverages from the top companies for personal watercraft insurance and customize the right package for you.

Personal Watercraft Coverages

There are various personal watercraft coverage options. Make sure you get to know some of them below, so you’ll understand what’s right for your needs.


Replaces total losses with the latest model (new-for-old) or, if not available, a comparable replacement.

Uninsured Personal Watercraft Bodily Injury Coverage pays for medical treatment, wage loss, and other damages sustained as a result of a personal watercraft accident where the liable boater does not have liability coverage.

The Actual Cash Value is determined by the market value, age and condition of the personal watercraft at the time of the loss.

Disappearing Deductibles provides a reduction of 25% in Comprehensive and Collision deductibles for each claim-free renewal period.

Pays for towing and labor costs on a reimbursement basis.

In the event of a total loss, our expanded Agreed Value guarantee pays you the amount originally spent for the watercraft or the appraised value, with no deduction for depreciation and no deductible.

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Let AIS RV help you select the best personal watercraft coverage.

As part of one of the nation's largest personal lines insurance agencies, we seek out the policy that best matches your price and protection needs. We have access to many high quality insurance companies, which makes it easy to compare personal watercraft insurance quotes to find the best combination of price and coverage.

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