What Does PWC Insurance Cost?<\/h2>\n\n\n\n
Typically, PWC insurance costs can range from $80 to $200 per year, depending on what coverage you choose, what deductible you have and other factors. This insurance is much like car insurance<\/a> in that your individual premium will be based on factors such as make and model, your age and gender and more.<\/p>\n\n\n\n Take time to study any coverage offers you get \u2013 some insurers want a high deductible, some won\u2019t bundle this policy with other policies you have and some have a max amount of coverage they offer.<\/p>\n\n\n\n Your personal watercraft is a pricey toy, and it could quickly get even more expensive<\/u><\/a>. It could hit a dock or suffer a collision with a boat or another PWC.<\/p>\n\n\n\n Unsafe operation<\/u><\/a> of your PWC can cause bodily injury or even death. Passengers, towed water skiers, or wakeboarders could be injured. The resulting legal action could get incredibly expensive.<\/p>\n\n\n\n Your PWC could also be damaged by the uninsured drivers of other vessels. Or, it might not even make it into the water before needing costly repairs. For example, it could be involved in a collision with an automobile while you\u2019re towing it to your dock. That doesn\u2019t even count loss by theft or damage by vandalism, or the cost of replacing items stolen from inside your personal watercraft.<\/p>\n\n\n\n The point is, you have so many sources of financial concern with your PWC that comprehensive personal watercraft insurance is as important as your water safety practices<\/u><\/a>. You also need to know exactly what your personal watercraft insurance policy covers and what it doesn\u2019t.<\/p>\n\n\n\n The basics of personal watercraft liability coverage are these three items:<\/p>\n\n\n\n You want to cover the cost of damaging your vessel, whether it\u2019s in the water or on dry land, as well as the medical expenses of yourself or others.<\/p>\n\n\n\n If collisions with other property and individuals are your fault (or that of whoever was driving your PWC), you want and need protection against legal action. That\u2019s where liability insurance coverage comes in.<\/p>\n\n\n\n These are the basics of your personal watercraft insurance coverage. You should have some coverage assistance for towing on the water, as well as protection against uninsured watercraft users. Ask your insurance agent for an explanation of the full menu of coverage options.<\/p>\n\n\n\n You\u2019d hate to sustain major PWC damage and then have your insurance agent point to the paragraph in your policy that clearly prohibits the activity that resulted in the damage. That\u2019s why it\u2019s always important to know what\u2019s in your policy and avoid conduct that can incur expenses your insurance won\u2019t cover.<\/p>\n\n\n\n Many policies, for example, don\u2019t cover \u201cdusk to dawn\u201d activity. That means that your personal watercraft insurance won\u2019t kick in if damage occurs while you or others are driving it at night.<\/p>\n\n\n\n Other insurance plans are no longer in effect if you modify your PWC to boost power or performance. So be aware of what you\u2019re allowed to do before considering modifications.<\/p>\n\n\n\n If you\u2019re a boating enthusiast, you might have one or several personal watercrafts just to add additional layers of enjoyment to your water adventures. While each PWC in your stable has to be separately insured, you can bundle your personal watercraft insurance coverage with your boat insurance.<\/p>\n\n\n\n If you do this, the insurer that currently provides your boat insurance might give you rate discounts on your personal watercraft coverage when you buy both policies. Ask your insurance agent because this could be a source of significant savings.<\/p>\n\n\n\n The point of dealing with an independent agent for your cheap watercraft insurance quote<\/a> is your agent\u2019s ability to seek the best rates from several competing insurance providers rather than just one.<\/p>\n\n\n\n Agents who work for single insurance companies don\u2019t have this option. They can only present you with the coverage their company offers. So that\u2019s where the discussion begins and ends.<\/p>\n\n\n\n Your independent agent can listen to all of the factors that are of primary importance to you (including cost) and then go shopping for policies and find the best personal watercraft insurance coverage at the best rate for you and your family.<\/p>\n\n\n\n Freeway agents can find you the best low-cost price for your personal watercraft. Find an easy and free quote for personal watercraft insurance online<\/a>, call us at (800) 777-5620<\/a> or find a Freeway office near you<\/u><\/a> to meet with an agent.<\/p>\n\n\n\nYour PWC Can Suddenly Get Expensive in Lots of Ways<\/h2>\n\n\n\n
Know What Every Personal Watercraft Insurance Policy Should Cover<\/h2>\n\n\n\n
![\"Silhouette](\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2022\/05\/freeway-top-things-to-look-for-in-watercraft-insuranceuse2.jpg\")
<\/figure><\/div>\n\n\n\nAnd Know What Your Policy Doesn\u2019t<\/em> Cover<\/h2>\n\n\n\n
It\u2019s Not Boat Insurance, But You Might Bundle Your Personal Watercraft Coverage with Your Boat Policy<\/h2>\n\n\n\n
Start a Discussion with an Independent Insurance Agent<\/h2>\n\n\n\n
Hit the Waves with Affordable Watercraft Insurance Today<\/h2>\n\n\n\n