The Importance of Insuring Your Jet Ski (Personal Watercraft)

Looking for an exciting way to enjoy Florida’s beautiful waterways? A jet ski, also known as a personal watercraft (PWC), delivers all the fun and thrill of open-water adventure. However, like any motorized vehicle, jet skis come with risks - which is why Florida personal watercraft insurance is essential to protect both you and your investment.

Here’s why coverage matters and how to stay safe on the water.

Reportable Personal Watercraft Accidents

According to the 2022 Boating Accident Statistical Report by the Florida Fish and Wildlife Conservation Commission, personal watercraft only accounted for 16% of all registered vessels in Florida, but were involved in 24% (174) of reportable boating accidents. Additionally, 54% (95) of these accidents involved a collision with another vessel.

If you own a personal watercraft, it's important to be aware of the potential risks and take steps to protect yourself and your investment by purchasing Florida personal watercraft insurance from American Integrity Insurance. 

Florida Personal Watercraft Insurance for Jet Skis

Personal watercraft (jet ski) insurance covers a range of risks, including damage to your personal watercraft, bodily injury to yourself or others, and liability for damage caused to other property. Florida personal watercraft insurance from American Integrity offers these protections: 

• Hull Coverage – protects against damage to your watercraft
• Liability Coverage – covers injuries or property damage you may causes
• Agreed Hull Value or Actual Cash Value – choose how your policy values your craft
• Liability Limits up to $500,000 – available as Combined Single Limit or Split Limit
• Uninsured Boater Coverage – included with Boating Liability
• Fuel Spillage Coverage – helps cover environmental cleanup costs 
• No Navigation Plan Required – enjoy flexible coverage throughout Florida waters
• Supplemental Liability for Rental Boats – protects when operating similar vessels

American Integrity’s tailored coverage ensures you’re protected from financial loss, property damage, or liability claims while enjoying your time on the water.

Take a Boating Safety Classes

Insurance is only one part of responsible ownership - safety preparation is just as critical. The Florida Fish and Wildlife Conservation Commission lists approved boater safety classes across the state. Choose one near you and become educated about safe boating and personal watercraft operation. 

Note: Anyone born on or after Jan. 1, 1988, must have a Boating Safety Education Identification Card to operate a boat in Florida legally. 

Wear Life Vests

he “Wear It Florida” campaign emphasizes that life jackets save lives. Choose a U.S. Coast Guard–approved vest or a modern inflatable life jacket for comfort and convenience. Wearing a life vest significantly increases survival chances in the event of an accident or ejection.

By combining proper training, gear, and coverage, you can confidently enjoy your jet ski while reducing risk for yourself and others.

Protect Yourself and Your Investment

Owning a jet ski provides endless opportunities for fun, but it also comes with responsibility. Secure peace of mind with a Florida personal watercraft insurance policy from American Integrity Insurance. Contact an agent today and discover how affordable and easy it is to invest in Florida personal watercraft insurance. 

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.