Boat Insurance


Again, the same main coverages are offered for your PWC as for an ATV and a snowmobile. Many PWC policies are “all risk” policies. This means that unless something is specifically excluded, it’s covered.

What’s usually not covered is:

  • A PWC modified to enhance performance
  • Operating one when it’s dark
  • Operation by anyone without a driver’s license (although, that may be modified with an endorsement)

Other PWC insurance notes– Your PWC will most likely not be covered by another boat policy. You’ll have to purchase a separate policy for your PWC.