Personal Watercraft Insurance

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Your perfect day includes the warm sunshine and riding the rolling waves on your personal watercraft. And when you’re out on the water, the last thing you want to worry about is whether you have the right insurance policy.

We get it. 
That’s why we developed a specialized policy with you and your personal watercraft in mind. Farners offers coverage for personal property, as well as for towing and assistance so you'll never be stranded on the water or the side of the road.

So focus on the waves. Leave the insurance to us.

Personal Watercraft Insurance Coverage Options

It's a common myth that your personal watercraft is adequately covered under your homeowner's or renter's policy. In most cases, you need additional coverage. A Farmers insurance policy, on the other hand, can give you more security and more value for your money.

For real peace of mind as you're out on the water, you need a policy that provides a wide range of coverages. These coverages should include:

  • Physical Damage
  • Liability
  • Wreck Removal
  • Pollution Liability Coverage
  • Watersports Liability
  • Medical Payments Coverage primary

Optional Coverages

For extra protection, and because not everyone's needs are the same, Farmers offers a variety of coverage options:

  • Increased limits on Liability
  • Uninsured Watercraft
  • Accessory Coverage
  • Personal Property
  • Towing and Assistance
  • Trailer Coverage
  • Liability-Only

Broad Eligibility

A Farmers policy will cover almost all makes and models of personal watercraft. And Farmers also has a specialized program for boats.

Features & Discounts

Farmers offers Personal Watercraft Insurance a variety of discounts that can save you money on your premium. And there's no limit to the number of discounts you can receive if you qualify. With a Farmers policy, you may be eligible for the following discounts:

  • Multi-Policy
  • Multi-Unit
  • Renewal
  • Prior Insurance

A Choice of Deductibles and Payment Plans

Higher deductibles can help lower the cost of your premium. Flexible payment plans, including automatic funds transfer, help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.


Personal watercraft insurance from Farmerss only available in the United States in all states except Florida. Coverage is also available in the District of Columbia. Please note that coverages and coverage amounts vary by state. All coverages may not be available in all areas.

What to Look for in a Personal Watercraft Insurance Policy

Personal Watercraft enthusiasts know how important it is to have coverages beyond the standards offered by many companies, or by a rider on a homeowner's policy. In fact, many people think their PWC is completely covered under their homeowner's policy until they have a loss.

Customers should look for specialized coverages that aren't always available under other policies out there. These include things like:

  • Wreck Removal
  • High Liability limits
  • Waterskiing and Towing Sports Liability Coverage

Optional coverages should also give water enthusiasts that little extra - the custom coverages that fit their lifestyle, whether they enjoy early-morning cruises or afternoon wave-riding. Some of the options to look for include:

  • Towing and Assistance - for the PWC and trailer
  • Coverage for racks, windshields and other permanent accessories

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Posted 1:32 PM

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