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The insurance industry calls Jet Ski, Wave Runner, and Sea-Doo “personal watercraft,” or “PWC,” and classifies them into two types: stand-up PWCs used by a single rider who stands or kneels while operating and sit-down PWCs used by one or more riders who sit while operating. Most insurance companies that offer boat insurance also offer PWC policies.

PWC insurance requirements vary by state but, required or not, it’s a smart choice considering the risky nature of personal watercraft. A variety of PWC coverage options exist including liability, collision, comprehensive, medical, total loss replacement, as well as on-water towing and labor. Policy types will determine rates as will other factors like the PWC make and model, horsepower, engine specifications, storage location, as well as owner credit and accident history.