Jet Ski Insurance: Why You Need It and What It Covers

Summertime in Florida means fun on the water, and nothing matches the thrill of riding your own personal watercraft. The rush of wind, the spray of cool water, and the freedom of open waves make owning a Jet Ski pure joy.

But along with excitement comes responsibility. Personal watercraft insurance protects you, your passengers, and your investment from the unexpected. Here’s why Jet Ski insurance is essential in Florida.

Is Jet Ski Insurance Really Important?

Owning or renting a Jet Ski can be a great way to enjoy the Sunshine State, but accidents happen - often when you least expect it. Jet Skis are fast, powerful, and exposed, which makes them more vulnerable to accidents than larger boats. Having the right insurance gives you peace of mind when you’re out on the water. That's why personal watercraft insurance for your Jet Ski is essential protection.

Risks of Operating a Jet Ski

While Jet Skis are fun, they can also be unpredictable. Riders face unique risks every time they head out, especially in crowded or choppy waters. Common Jet Ski incidents in Florida include:

• Flipping/falling off the Jet Ski
• Losing the Jet Ski
• Getting hit by the Jet Ski
• Damaging the Jet Ski
• Hitting floating debris
• Hitting the trailer or dock while loading/unloading
• Riding too close to other watercrafts
• Reckless and/or discourteous operating
• Law violations
• Getting caught in a storm
• Getting hit by another Jet Ski rider

According to the U.S. Coast Guard, inexperience and inattention remain the leading causes of Jet Ski accidents nationwide - including in Florida.

Potential Liability Issues

Under Florida law, the owner of a personal watercraft can be held legally responsible for injuries or property damage caused by anyone operating the Jet Ski with their consent - even if the owner isn’t present. 

Potential liability issues that warrant personal watercraft insurance in Florida include:

• Negligence
• Uninsured boaters
• Reckless boaters
• Property damage
• Personal injury
• Unauthorized operation
• Equipment failure
• Design defects

What Jet Ski Insurance Covers?

American Integrity offers personal watercraft insurance for Jet Skis, Waverunners, and similar small boats. Coverage can include:

• Liability coverage – protects you against injury or property damage claims
• Physical damage coverage – repairs or replaces your Jet Ski if it’s damaged or stolen
• Uninsured boater coverage – covers injuries or damage caused by uninsured operators
• Medical payments coverage – helps pay for injuries to you or your passengers

You can even add optional coverage for towing, trailers, and equipment.

Affordable Coverage for Florida Jet Ski Owners

At American Integrity, you don’t need a homeowners policy with us to qualify for standalone personal watercraft insurance. We also offer several discounts for safe operation, boating experience, and multiple policies. 

Contact an agent today to learn more and design a Jet Ski insurance policy tailored to your needs.

Enjoy the freedom of Florida’s waterways - safely and responsibly.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.