Jet Ski's are a ton of fun, but serious stuff. You need to call your agent, and see how your covered, and dont ASSUME its covered, because its not. Don't make me say NO, when you have a problem.
Coverage Options
It's a common myth that your personal watercraft is adequately covered under your homeowner's or renter's policy. In most cases, you need additional coverage. A Foremost insurance policy, on the other hand, can give you more security and more value for your money.
Important Coverages
For real peace of mind as you're out on the water, you need a policy that provides a wide range of coverages. These coverages should include:
- Physical Damage
- Liability
- Wreck Removal
- Pollution Liability Coverage
- Watersports Liability
- Medical Payments Coverage primary
Optional Coverages
For extra protection, and because not everyone's needs are the same, Foremost offers a variety of coverage options:
- Increased limits on Liability
- Uninsured Watercraft
- Accessory Coverage
- Personal Property
- Towing and Assistance
- Trailer Coverage
- Liability-Only
Broad Eligibility
A Foremost policy will cover almost all makes and models of personal watercraft. And Foremost also has a specialized program for boats."
http://www.foremost.com/products/personal-watercraft/coverage-options.asp
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