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Watercraft Insurance

Watercraft Insurance in Illinois

Get a Quick Quote

Get an Online Watercraft Insurance Quote in 3 Easy Steps

Step 1

Fill out our simple quote form.

Step 2

Choose your coverage options based on your needs and budget.

Step 3

Purchase your policy and print your insurance card. It’s that simple!


What is a Personal Watercraft?

Most states define a “personal watercraft” as: “a vessel 13 feet in length or less, propelled by machinery, that is designed to be operated by a person sitting, standing, or kneeling on the vessel rather than in the conventional manner of sitting or standing inside the vessel.”

Water jet-pump-driven boats that are generally less than 13 feet in length include Jet skis, Sea Doos, and Waverunners. Personal watercraft come in many sizes and can now easily accommodate multiple people. In addition, many types of personal watercrafts can even pull a skier.

What is Watercraft Insurance?

Watercraft insurance is an insurance policy that provides coverage for personal watercraft (PWC) and boats. Watercraft insurance is also commonly referred to as boat insurance or personal watercraft insurance. This types of insurance may be purchased for house boats, sailboats, jet boats, and walk-arounds, as well as other watercraft up to a certain size and value.

PWC insurance helps insure you and your personal watercraft against accidents, vandalism, and liability. That means you can enjoy your recreation time with peace of mind knowing that you’re covered against unforeseen events.

Do I Really Need PWC Insurance?

Although PWC insurance isn’t legally required, personal watercraft represent an important investment in addition to exposing you to potential situations where you can be held personally liable for damages or injuries caused by an accident. It just makes sense to protect your property and those riding it.

What Does PWC Insurance Cover?

A personal watercraft insurance policy typically insures you against many common liability losses regardless of whether you operate it yourself or loan it to another person.

In situations like these, you may be covered for:

  • Damage to another craft or dock
  • Bodily injury or death to another person due to your negligence
  • The negligence of another driver while using your PWC
  • Towed water skiers or wake boarders who become injured using your craft
  • Physical damage to the hull, machinery, and equipment
  • Injury to you caused by an uninsured watercraft operator
  • Towing assistance if you break down on the water

Get a Watercraft Insurance Quote

Getting insured by InsureOne is fast and easy. Request a free Illinois watercraft insurance quote online or by giving us a call at 800-476-1958. Let us maximize your savings!