WaveRunner Insurance — Coverage for Yamaha Personal Watercraft
WaveRunners are built for performance on the water — liability and physical damage coverage may help protect you whether you're riding, docked, or trailered.
Coverage Options
The following coverage options may be available for WaveRunner. 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 WaveRunner from collisions, groundings, 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 WaveRunner Insurance
WaveRunner is a brand name owned by Yamaha and refers to Yamaha-manufactured personal watercraft. WaveRunners are among the most popular personal watercraft in the United States, available in stand-up and sit-down configurations and used for everything from recreational riding to towing water sports.
A dedicated personal watercraft policy may provide coverage that standard boat or homeowners policies do not — including liability protection, physical damage to the hull and drive system, theft coverage, and medical payments for you and your passengers.
Who May Need WaveRunner Insurance?
Anyone who owns or regularly operates a Yamaha WaveRunner — whether used on lakes, rivers, bays, or coastal waterways — may benefit from dedicated watercraft coverage. Coverage may also be required by state law, marina policy, or your lender if the WaveRunner is financed.
Top 5 Reasons to Consider WaveRunner Insurance
- WaveRunners operate at high speeds alongside boats, swimmers, and other watercraft — liability exposure can be significant in a collision or incident.
- Hull and machinery coverage may help cover the cost of repairs or replacement if your WaveRunner is damaged in an accident.
- Theft of personal watercraft from docks, trailers, and storage areas is common — comprehensive coverage may help address this risk.
- Some states and marinas require proof of liability coverage before allowing personal watercraft on public waterways.
- If your WaveRunner is financed, your lender may require physical damage coverage as a condition of the loan.
Request a WaveRunner Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.