Jet Ski & Personal Watercraft Insurance

South Florida's warm waters and beautiful coastline make it one of the top destinations for personal watercraft (PWC) enthusiasts. Whether you own a jet ski, wave runner, or Sea-Doo, proper insurance coverage is essential to protect your investment and your finances. Many people assume their homeowners or boat insurance covers their jet ski, but that's often not the case, or coverage may be extremely limited. A dedicated personal watercraft policy provides comprehensive protection designed specifically for the unique risks of PWC ownership. At B & B Insurance Agency, we help jet ski owners across Palm Beach County find coverage that fits how you ride, so you can enjoy the water without worry.

Personal watercraft are fast, powerful, and operate in crowded waterways, and that combination creates significant liability risk. Here's why insurance matters: Liability Protection: If you cause an accident that injures someone or damages another vessel, you could face medical bills, repair costs, and lawsuits totaling hundreds of thousands of dollars. Your PWC policy covers these costs. Physical Damage: Jet skis are a significant investment, often costing thousands of dollars. Collision damage, storm damage, theft, and vandalism are all real risks. Your policy covers repair or replacement costs. Medical Payments: Covers medical expenses for you and your passengers if injured in a PWC accident, regardless of who's at fault. Uninsured Watercraft: If you're hit by an uninsured boater, this coverage pays for your injuries and damage.