Do I Need Special Insurance for Jet Skis and Small Watercrafts in Sacramento & Yuba City, CA?

If you’re planning to enjoy waterways on a Jet Ski or small watercraft, it’s essential to understand your insurance needs. While some areas do not legally require insurance for personal watercraft, having dedicated coverage is highly recommended for financial protection.

Insurance for Jet Skis and Small Watercrafts

Jet skis and similar small watercraft fall under the category of personal watercraft, which are motorized vessels designed for one or more riders. These differ from larger boats and often have unique insurance considerations. Many people assume their homeowners or auto insurance policies will cover their Jet Ski, but that’s rarely the case. Homeowners insurance typically offers minimal or no coverage for motorized watercraft, and auto insurance doesn’t apply to water-based vehicles. Without proper insurance, you could be liable for medical expenses, property damage or even legal fees resulting from an accident.

Specialized watercraft insurance policies are designed to fill these gaps. These policies typically include the following:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Uninsured/underinsured boater coverage

The cost of Jet Ski and watercraft insurance varies based on factors like the model, your driving history and coverage limits, but it’s generally affordable, especially compared to the potential out-of-pocket costs of an accident.

Learn More

For Jet Ski and watercraft insurance solutions near you, contact Baja Insurance Services.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.