Personal Watercraft

Do you own a jet ski or a recreational watercraft?

Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low.

That’s where personal watercraft insurance comes in. If you’re located in the Dallas/Fort Worth, TX, area, the Costlow Insurance Group can help you secure coverage for your watercraft.

 Call 972-463-8043  to speak to an insurance representative today!

 What Does Personal Watercraft Insurance Cover?

Personal watercraft insurance differs from standard boat insurance.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, although these may vary from company to company.

Liability limits start at $15,000 and can be increased to $300,000. This coverage will provide financial protection if your personal watercraft is involved in an accident.

Most policies also include water sports liability, which covers risks associated with activities such as water skiing.

Consider buying an umbrella policy which will provide more liability protection. One million dollars in extra coverage costs about $300 a year and would extend to your home and auto insurance policies.

If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.

Be sure to speak with your personal watercraft insurance agent or company representative about your specific needs.