Listen, we’re not going to duck the facts here: most PWC owners don’t carry enough insurance (if any at all). Like your car, carrying insurance coverage on your personal watercraft is imperative to protecting your investment. And despite what the local Fish & Game warden might have you feeling, boating isn’t as policed as the roads you travel each day, so taking the proper measures to cover you and your runabout is a wise move; because you wouldn’t how many times policy holders have been saved by carrying even the basic of insurance coverage.
Ensuring that you’ve got the best watercraft insurance coverage is surprisingly simple. But first, you’ve gotta ask, why should I even have insurance? Recently, The Watercraft Journal talked with McGraw Powersports Group who explained that policies can include a combined single limit liability, protection against uninsured watercraft, watersports liability, trailer coverage and protection against physical damage.
Specifically, McGraw’s Personal Watercraft Package (which includes jet boats under sixteen 16-feet, jet skis, wet bikes, etc.) provides coverage against $15,000 in liability coverage, theft, fire, collision, hull damage, sinking, damage to another watercraft and injury to another person. This all sounds great, but McGraw can go further, providing increased liability (from $25,000 to $300,000), liability-only coverage, medical payments and trailer coverage.
While you might not need all of that, all of us could benefit from most of it. And given the kinds of loonies we’ve all seen on the water, it’s really to protect us from them.
OK, this might’ve sounded a little pitchy, but there’s good reason for it: we want you all to enjoy many, many more seasons of riding, and getting you and your ski covered is the best way to do it. Sure, you could get PWC insurance from most anybody willing to sell it to you, but with McGraw’s near 40-years of experience, stellar reputation and dedicated powersports expertise, there are few who can compare. Don’t settle for car insurance dressed in a life jacket; get genuine powersports protection from passionate enthusiasts.