Boat insurance is often legally required to dock a boat in a marina. States have varying laws regarding boats and personal watercraft, such as jet skis. It’s essential to understand the different types of insurance, your options, and local regulations before heading out on the water.
Local Regulations
Florida does not require insurance for jet skis by law. However, this does not mean you should go without it. The financial consequences of an accident can be devastating, including property damage, legal fees, and the cost of replacing your jet ski. Proper insurance can provide the necessary coverage to protect your financial stability.
Boat Insurance
Boat insurance is designed for larger watercraft, such as boats. It often includes additional coverage options, like fuel delivery and higher coverage limits. While boat insurance can offer protection and may be available for jet skis, it is not the most suitable option for smaller personal watercraft.
Personal Watercraft Insurance
Personal watercraft insurance is specifically tailored for smaller watercraft, including jet skis and small boats. Many companies, such as Americas Insurance Associates, offer personal watercraft insurance. They may also provide lower coverage options for boat insurance that are better suited for jet skis.
Both boat and personal watercraft insurance can include additional benefits, such as fuel delivery and wreckage cleanup. They also provide liability coverage to protect against accidents and other potential risks.
Personal watercraft insurance often offers more appropriate coverage for jet skis. Some policies take risk factors into account, including coverage for irresponsible operation of the jet ski.
A professional agent at Americas Insurance Associates can help you determine the best type of insurance for your jet ski. Our experienced representatives will work with you to ensure you have the coverage you need. Contact us today to learn more. We proudly serve the Florida area.
