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Personal Watercraft InsuranceSpecialized coverage including:
  • Wreck Removal
  • High Liability limits
  • Waterskiing and Towing Sports Liability coverage
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What to Look for in a Personal Watercraft Insurance Policy

Personal Watercraft enthusiasts know how important it is to have insurance coverage beyond the standard offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their PWC is completely covered under their homeowner's policy until they have a loss.

Optional coverage should also give water enthusiasts that little extra custom coverage for your lifestyle. Some of the options to look for include:

  • Towing and Assistance for the PWC and trailer
  • Coverage for racks, windshields and other permanent accessories

For a Personal Watercraft insurance quote, contact a Farmers agent today. A Farmers policy will cover almost all makes and models of personal watercraft. And Farmers also has a specialized program for boats.

Personal Watercraft Insurance coverage

Types of coverage

The policy you choose should provide a wide range of coverage including:

  • Physical Damage
  • Liability
  • Wreck Removal
  • Pollution Liability Coverage
  • Watersports Liability
  • Medical Payments Coverage primary
  • Wreck Removal
  • High Liability limits
  • Waterskiing and Towing Sports Liability Coverage
Optional coverage

For extra protection, and because circumstances differ, Farmers offers a variety of coverage options:

  • Increased limits on Liability
  • Uninsured Watercraft
  • Accessory Coverage
  • Personal Property
  • Towing and Assistance
  • Trailer Coverage
  • Liability-Only
  • Coverage for racks, windshields and other permanent accessories


Farmers offers Personal Watercraft insurance with a variety of discounts that can save you money on your premium. And there's no limit to the number of discounts you can receive if you qualify. With a Farmers policy, you may be eligible for the following discounts:

  • Multi-Policy
  • Multi-Unit
  • Renewal
  • Prior Insurance

Work with a Farmers agent to learn which discounts you qualify for.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.