Personal Watercraft Insurance, Deciding whether to insure your watercraft?
Personal watercrafts are used mainly for one or two people and can either have a motor or not. Waverunners and kayaks are good examples of PWCs. Canoes and kayaks normally do not need insurance coverage and many times are covered under homeowners insurance against fire or theft.
Some PWCs can be dangerous or are expensive to fix and should be insured to offset these costs. Again, each state has it’s own laws so make sure you call your insurance carrier, ask what the requirements are, and get a car insurance rate that reflects boat coverage.
When deciding whether to insure your watercraft, use good common sense. If the boat can do serious harm, it should be insured. Find out and abide by all state laws pertaining to insurance and usage. Keep in mind when traveling that all states have different regulations. Learn what they are before leaving on vacation
