Jet Ski Insurance — Coverage for Kawasaki Personal Watercraft
Jet Skis share the water with boats, swimmers, and other watercraft — liability and physical damage coverage may help protect you on and off the water.
Coverage Options
The following coverage options may be available for Jet Ski. Availability, terms, and limits vary by state and policy.
Liability Coverage
May help cover bodily injury or property damage to others if you are found responsible in a watercraft accident.
Hull & Machinery
May help cover physical damage to your Jet Ski from collisions, accidents, and covered perils on the water.
Comprehensive Coverage
May cover theft, vandalism, fire, and storm damage when your watercraft is docked or stored.
Medical Payments
May help cover medical expenses for you and your passengers after a covered watercraft accident.
Trailer Coverage
Some policies may extend coverage to the trailer used to transport your personal watercraft.
Accessories & Equipment
May cover added accessories such as covers, life vests, tow ropes, and other onboard equipment.
About Jet Ski Insurance
Jet Ski is a brand name owned by Kawasaki, and refers specifically to Kawasaki-manufactured personal watercraft. Like other personal watercraft, Jet Skis are high-performance machines capable of significant speeds — which can create meaningful liability exposure on busy waterways.
A dedicated personal watercraft policy may provide coverage that standard boat or homeowners policies do not. This can include liability protection, physical damage to the hull and machinery, theft coverage when the watercraft is stored or trailered, and medical payments for you and your passengers.
Who May Need Jet Ski Insurance?
Anyone who owns or regularly operates a Kawasaki Jet Ski — whether used recreationally, at the lake, on coastal waterways, or stored at a marina — may benefit from dedicated watercraft coverage. Coverage may also be required by state law, marina regulations, or lender requirements if the watercraft is financed.
Top 5 Reasons to Consider Jet Ski Insurance
- Personal watercraft move at high speeds in shared waterways — liability exposure can be significant in an incident involving other boaters or swimmers.
- Jet Ski repairs and replacement parts can be costly — hull coverage may help offset the expense of getting back on the water.
- Theft of personal watercraft from docks, trailers, and storage facilities is a real risk — comprehensive coverage may help address this.
- Some states and marinas require proof of liability coverage before allowing personal watercraft on public waters.
- If you finance your Jet Ski, the lender may require physical damage coverage as a condition of your loan or lease.
Request a Jet Ski Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.