If you love spending time on the water, chances are you’ve got more than just a boat in your collection. Maybe you’ve added a jet ski or two into the mix. At The Policy Source in Austin, TX, we often hear the question: “Does my boat insurance cover my personal watercraft too?” It’s a great question—and the answer might surprise you.

One Size Doesn’t Always Fit All

While boat insurance provides broad coverage for your vessel, it typically doesn’t extend to personal watercraft like jet skis, Sea-Doos, or WaveRunners. These smaller, high-speed machines are classified differently and usually require a separate policy to ensure proper protection.

Why Separate Coverage Is Important

Personal watercraft come with unique risks. They’re often used more aggressively, have distinct safety concerns, and can be operated by a broader range of people, including younger riders. Because of these factors, insurers treat them differently from boats. A separate policy ensures coverage for liability, damage, theft, and even injuries that might occur while using your PWC.

Avoid Gaps in Coverage

If you assume your boat insurance covers everything you launch into the water, you could face costly surprises. A dedicated watercraft policy provides peace of mind, ensuring that whether you’re cruising the lake in your boat or zipping around on a jet ski, you’re fully protected.

Not sure if your current coverage checks all the boxes? The Policy Source in Austin, TX is here to help you navigate your options and ensure every ride on the water is safe and worry-free.