State law does not require Jet Ski or small watercraft owners to carry insurance, but coverage may still be worth having. If you dock at a marina, finance your watercraft or use a storage facility, you may be asked to show proof of insurance. Beyond that, having a policy in place can help cover the cost of accidents, damage or injuries on the water.
What Does Jet Ski and Small Watercraft Insurance Cover? 
Standard watercraft policies can provide the following coverage options:
- Liability coverage may help pay for injuries or property damage you cause to others while operating your Jet Ski or boat.
- Physical damage coverage can cover repairs or replacement if your watercraft is damaged by collision, theft, vandalism or certain natural events.
- Uninsured/underinsured boater coverage may apply if you're involved in an accident caused by someone who lacks adequate insurance.
What Does It Exclude?
Most watercraft policies may exclude normal wear and tear, manufacturer defects and damage linked to racing or commercial use. Towing services, including on-water assistance, may require a separate endorsement. Policy documents can outline specific exclusions, so reviewing them with your agent can help clarify details.
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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.