Sea-Doo Insurance — Coverage for BRP Personal Watercraft
Sea-Doos are some of the most popular personal watercraft on the market — liability and physical damage coverage may help protect your investment on and off the water.
Coverage Options
The following coverage options may be available for Sea-Doo. 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 Sea-Doo from collisions, accidents, and covered perils on the water.
Comprehensive Coverage
May cover theft, vandalism, fire, and storm damage when your watercraft is stored or docked.
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 Sea-Doo.
Accessories & Equipment
May cover added accessories such as covers, life vests, tow ropes, and other onboard equipment.
About Sea-Doo Insurance
Sea-Doo is a brand name owned by BRP (Bombardier Recreational Products) and is one of the most widely recognized personal watercraft brands in the world. Sea-Doos are available in a range of configurations — from entry-level models like the Spark to high-performance models such as the RXP-X and RXT-X — as well as fishing-specific and touring variants.
A dedicated personal watercraft policy may provide coverage that standard boat or homeowners policies do not, including liability protection, hull and machinery coverage, theft protection, and medical payments for operators and passengers.
Who May Need Sea-Doo Insurance?
Anyone who owns or regularly operates a BRP Sea-Doo — on freshwater lakes, rivers, bays, or coastal waters — 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 Sea-Doo Insurance
- Sea-Doos are capable of high speeds and can create significant liability exposure in shared waterways — coverage may help protect your assets.
- Hull and machinery coverage may help offset the cost of repairs or replacement if your Sea-Doo is damaged in an accident or grounding.
- Personal watercraft are frequently stolen from docks, trailers, and storage — comprehensive coverage may help address this risk.
- Some states and marinas require liability coverage for personal watercraft before they may be operated on public waters.
- If your Sea-Doo is financed through BRP Financial or another lender, physical damage coverage may be required by the loan agreement.
Request a Sea-Doo Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.