Boat Insurance for Jet Skis & Personal Watercraft
Find the Right Jet Ski and PWC Insurance with Roamly
Coverage Options for Jet Skis, WaveRunners, and Sea-Doos, From Carriers Who Know the Water
Why Choose Roamly for Jet Ski Insurance?
- Multiple Carriers, One Quote: Roamly is a brokerage, so we shop a panel of marine-focused carriers instead of selling you one company's policy.
- Coverage That Rides Along: Carriers we work with may offer liability and medical payments options for your passengers and the people around you on the water.
- Options for Borrowed Rides: We'll help you find a policy that fits how your family and friends use your personal watercraft (PWC).
- Agreed Value Where It's Offered: Not every carrier offers agreed value on a PWC, so shopping more than one company matters.
- Licensed Marine Specialists: Our licensed agents boat too, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents, we're boaters who know a PWC gets passed around the dock all summer. Coverage for a machine that fast, that small, and that popular with first-time riders should be built around how it actually gets used, and we'll help you find a policy that fits.
How Much Does Jet Ski Insurance Cost?
Jet ski insurance can be relatively affordable. As of October 2026, Progressive advertises basic liability-only PWC coverage starting as low as about $100 a year (not available in D.C.), and published estimates put typical PWC policies at roughly $100 to $500 a year. Supercharged, high-performance models can run higher, and agency estimates for those reach $800 or more a year. Your price depends on your PWC's year, make, model, value, and top speed, where you keep and ride it, and your riding experience.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your PWC, your waters, and who rides it.
- Discounts You May Qualify For: Carriers we work with may offer savings for a boater safety course, insuring more than one PWC, or off-season storage.
Average Cost Range (as of October 2026):
- Liability-Only Policies: From about $100 per year (Progressive's advertised starting price for basic liability; not available in D.C.).
- Typical PWC Policies: About 100–500 per year in published estimates, with high-performance models at $800 or more in agency estimates.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your PWC (collision, theft, storm) | Not included | ✓ |
Medical payments for you and your passengers | Optional | Optional |
Agreed value | Not included | Optional (not offered by every carrier) |
Personal effects and gear | Not included | Optional |
Trailer | Not included | Optional |
Key Features of Roamly's Jet Ski Insurance
- Physical Damage Protection: Coverage options for collision, theft, vandalism, fire, and storm damage, including while your PWC is in storage.
- Liability for Riders and Bystanders: Liability coverage for injuries to passengers, swimmers, and other boaters, and for damage to docks and other boats.
- Coverage When You Lend It Out: Carriers we work with may cover people riding with your permission, and some ask you to list household members and teen riders as operators.
- Multi-PWC Savings: Carriers we work with may offer a discount when you insure more than one personal watercraft on the same policy.
- Flexible Deductibles: Adjust your deductible to find the balance between coverage and cost that works for you.
Ready to Protect Your Pontoon?
Get a Quote on Jet Ski Insurance That Fits How You Ride
Whether it's a solo morning run or a weekend of friends trading turns at the dock, Roamly works with carriers who understand personal watercraft. We'll help you find coverage so you can focus on the ride.
Why Roamly?
True replacement value
Your boat isn't just worth the Blue Book numbers. We'll find you a policy that insures it for what it's actually worth – including your upgraded electronics.
Real-world coverage
From shallow water prop strikes to dock collisions, we cover the stuff that actually happens to recreational boaters.
Insurance by boaters, for boaters
Our marine specialists actually spend their weekends on the water. They speak your language because they boat too.
Usually not. Standard homeowners policies typically don't extend liability to a personal watercraft you own, and any coverage for the PWC itself, such as theft or vandalism, is usually capped at a small, specified limit. A separate PWC or boat policy is usually the way to get real protection.
In most states, no law requires it, though a few states require liability coverage for certain motorized boats, and the rules vary by state. If you finance your PWC, your lender will likely require coverage, and many marinas ask for proof of insurance before you can keep it there.
It depends on the policy. Carriers we work with may cover people riding with your permission, but rules vary by carrier, and some carriers ask you to list household members and teen riders as operators. Minimum operating ages also vary by state, so check your state's rules before handing over the key.
The biggest factors are your PWC's year, make, model, and value, its horsepower and top speed, any performance modifications, where you store and ride it, your state, your riding experience and claims history, and the deductible you choose. Completing a boater safety course or insuring more than one PWC may also earn a discount with some carriers.
Policies typically exclude wear and tear, gradual deterioration, and damage from poor maintenance. Freezing damage may be excluded unless the PWC was winterized the way the policy requires, and a PWC modified for more speed may not be covered or eligible at all. Renting your PWC out or using it commercially isn't covered under a personal policy. Roamly can help you compare optional coverages, like mechanical breakdown, that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for a Jet Ski or Personal Watercraft
Find the Right Jet Ski and PWC Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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