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Wave runners, jet skis and other personal watercraft have been gaining popularity over their cousin the boat in the last few years. But like boats, personal watercrafts require insurance and safety know-how. Home and auto insurance may provide limited coverage for water vehicles. Consumers should talk with their insurance representative about coverage limits. Most likely, you will have to purchase a personal watercraft policy to protect you and your water vehicle. The personal watercraft policy or watercraft endorsement covers bodily injury, property damage, guest passenger liability, medical payments and theft. Liability limits start at $15,000 and can be increased to $30,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments. Additional coverage can also be purchased for trailers and other accessories. Consumers can talk to their insurance representative about the types of coverage that would best suit your needs.
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