Jet Ski Insurance in Massachusetts

What is Jet Ski Insurance?

Owning a jet ski is a lot of fun, but the sport comes with some inherent potential dangers. There are thousands of on-water accidents every year, and many involve personal watercraft. These accidents sometimes result in serious bodily harm, substantial property damage and even death. Jet ski insurance won’t prevent on-water accidents from occurring, but it may provide financial assistance to Massachusetts jet ski owners who are involved in covered accidents.

Jet ski insurance is a specialized form of personal insurance that’s been specifically crafted to meet the needs of jet ski owners. Policies are somewhat similar to car insurance policies at points, but there also are differences between the two.

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Who in Massachusetts Needs a Jet Ski Policy?

Most Massachusetts residents who own a jet ski should purchase a jet ski policy for it. Recovering from a single incident could be costly if no coverage is in place, and this is normally the most appropriate type of policy for jet ski owners to purchase.

Residents who own other watercraft, such as sailboats or motorboats, often have similar insurance needs to jet ski owners. Their insurance needs aren’t always completely identical, though, and a traditional boat insurance policy is usually better for insuring these types of watercraft.

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Jet Ski Insurance Massachusetts

What Coverages Do Jet Ski Policies Provide?

As mentioned, jet ski policies are similar to car insurance policies at some points and different from them at others. These similarities and differences frequently show up in jet ski policies’ coverages.

Some of the coverages that both types of policies typically offer are:

  • Medical Payments Coverage, which might cover injuries sustained by passengers and a driver who are on a jet ski
  • Bodily Injury Liability Coverage, which might cover injuries sustained by people not on a jet ski
  • Collision and Comprehensive Coverage, which might cover damage to a jet ski
  • Property Damage Liability Coverage, which might cover damage to other parties’ property
  • Uninsured and Underinsured Coverage, which might cover collisions caused by improperly insured boaters

Some of the coverages that jet ski policies might provide but aren’t generally applicable to car insurance include:

  • Coverage for sports gear kept on the jet ski
  • Coverage for safety equipment kept on the jet ski
  • Coverage for towing on the water
  • Coverage for recovering the jet ski if it sinks
  • Coverage for on-water fuel or oil spills

(As is true with car insurance policies, the precise coverages and protections that jet ski policies provide frequently vary.)

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What Liability Limits Should Jet Ski Owners Select?

While all coverages should be reviewed with care, special attention should be paid to the liability coverages that are selected. Many jet skis hold multiple people and can reach 60-plus miles per hour, making accidents potentially very dangerous. Moreover, these factors don’t even take into account what could happen if a jet ski collided with another watercraft. The financial costs could be extremely high.

Because of the potential risks and high costs of an accident, selecting high liability limits is generally wise. Precisely how high the limits chosen should be, however, is situationally dependent. Jet ski owners can get advice regarding their particular situation by speaking with an insurance agent who specializes in this form of insurance. A specialized agent will e familiar with the potential cost of an accident, and they’ll be able to provide informed advice.

Jet Ski Insurance Massachusetts

How Can Jet Ski Owners in Massachusetts Get Jet Ski Insurance?

For help insuring a jet ski, contact the independent insurance agents at Scotti Insurance Agency. Our team has worked with many jet ski owners in Massachusetts, and we have the expertise to help you find a robust jet ski insurance policy that meets your needs. Since we’re an independent agency, our team can recommend the best available policy regardless of what company offers it.

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