Recreational & Jet Ski Insurance

Protect your watercraft with Casey Insurance's tailored jet ski insurance policies. Affordable coverage for recreational marine vehicles with top-rated support.

Protect Your Jet Ski with Specialized Coverage

The thrill of the open water, the exhilaration of cutting through waves on your personal watercraft – these are moments meant for pure enjoyment. At Casey Insurance Companies, we specialize in recreational marine insurance designed to protect your passions, ensuring you can ride, cruise, and explore with complete peace of mind across the US. From nimble jet ski insurance to comprehensive coverage for your smaller recreational boats, we’ve got you covered.

What Our Jet Ski Insurance Covers

Liability Protection

Covers injury or property damage you may cause to others while operating your jet ski

Collision Coverage

Repairs or replaces your jet ski in the event of a crash, whether with another vessel or a stationary object.

Comprehensive Protection

Theft, fire, vandalism, weather-related damage, we’ve got you covered.

Uninsured Watercraft Coverage

Protects you if you're injured by a rider without insurance.

Towing & Assistance

Emergency water towing or on-water assistance if your jet ski breaks down.

Ready to Insure Your Jet Ski?

Don’t let uncertainty dampen your fun. Contact Casey Insurance Companies today for a personalized jet ski insurance or recreational marine insurance quote.

Who Needs Jet Ski Insurance?

Anyone who owns or operates a jet ski, including:

Recreational riders

Jet ski rental businesses

Water sports enthusiasts

Personal watercraft

Essential Jet Ski Insurance: Why You Need It

For many, a jet ski is synonymous with summer fun. But these powerful personal watercraft also come with inherent risks. Our specialized jet ski insurance provides crucial protection against a range of scenarios. It safeguards your investment against physical damage (from collisions, fire, theft, or vandalism) and, most importantly, protects you from liability should you cause injury to another person or damage to their property on the water. Don’t let an unexpected accident turn your joyride into a financial burden.

Do I Need Insurance for a Jet Ski?

This is one of the most common questions we hear: ‘Do you have to have insurance for a jet ski?’ or ‘Do I need insurance for a jet ski?’ While state laws vary, and not all US states legally mandate jet ski insurance, it is almost always highly recommended.

Many marinas, lenders, or rental operations will require proof of insurance before you can launch, dock, or finance your jet ski. Even where not legally required, operating without coverage leaves you personally responsible for potentially massive repair costs, medical bills, or legal fees if an accident occurs. It’s simply not a risk worth taking.

Claims You’re Covered For

Real-Life Scenarios We Handle

Beach Collision

Hit a submerged log? We cover hull repairs.

Theft at Dock

Stolen from a public ramp? Full replacement cost.

Guest Injury

Friend fractures an arm? Medical bills covered.

FAQs

What does recreational marine insurance cover?

Recreational marine insurance typically covers physical damage to your boat or personal watercraft (like a jet ski) from perils such as collision, fire, theft, or vandalism. It also includes liability insurance for bodily injury or property damage you may cause to others, and can offer options like medical payments and uninsured boater coverage.

Do I need insurance for a jet ski?

hile not all US states legally mandate jet ski insurance, it is highly recommended. Many marinas and lenders require it. Without jet ski insurance, you are personally responsible for all damages, medical bills, and legal fees if you're involved in an accident, which can be financially devastating.

How much is jet ski insurance?

The cost depends on your location, coverage levels, driving history, and type of PWC. On average, jet ski insurance costs between $100–$400 per year, with customizable deductibles.

What types of recreational marine insurance are available?

Types of recreational marine insurance include policies for various personal watercraft like jet skis, small powerboats, sailboats, and pontoon boats. Coverage options often include agreed value or actual cash value for the hull, comprehensive, collision, marine liability insurance, medical payments, and specialized coverage for personal effects onboard.

Can I bundle jet ski insurance with my RV or golf cart?

Yes! We offer multi-policy discounts for clients with recreational vehicles such as ATVs, RVs, UTVs, and golf carts under our recreational marine insurance plans.