Jet Skis are made for fun—not red tape. But even thrill rides come with risks. Whether you’re coasting across calm waters or cutting waves with friends, accidents can happen fast. If you’re not insured, that fun could get expensive.

So, do you need insurance for your Jet Ski? Here’s what to know.

Is Jet Ski Insurance Legally Required?

The answer: depends on your location. Some states mandate liability insurance for personal watercraft (PWC), particularly on public waterways. Others don’t require it by law—but that doesn’t mean you’re off the hook.

You may still need proof of coverage to:

• Dock at certain marinas
• Take part in events
• Get financing for a Jet Ski purchase

Bottom line: even if state law doesn’t require insurance, situations involving lenders or public access often do.

Will My Boat Insurance Cover It?

Possibly—but don’t assume it does. Some boat insurance policies can extend to PWCs, but that coverage is often limited.

Common exclusions include:

• Watercraft under a certain size or horsepower
• Non-owner riders or renters
• Use in races or performance events
• Damage while towing or transporting

If you haven’t specifically added your Jet Ski to your policy, chances are it’s not fully covered.

Does Homeowners Insurance Protect My Jet Ski?

Most homeowners policies offer very limited coverage for watercraft—and typically not the kind you’ll need on the water.

It might cover:

• Theft, if the Jet Ski is stolen from your garage or property
• Property damage, while in storage

But it usually won’t cover:

• Accidents on the water
• Liability for injuries
• Collisions with other watercraft

In other words, you could be personally responsible for thousands in damages or medical bills without a separate policy.

What’s Included in Personal Watercraft Insurance?

A dedicated PWC policy often includes:

• Liability coverage for damage or injury you cause
• Medical payments if you or a passenger gets hurt
• Collision coverage for damage to your Jet Ski
• Comprehensive coverage for fire, theft, or vandalism
• Towing or assistance, if you break down

Always be sure to check your specific policy.

The Bottom Line: Should You Get Jet Ski Insurance?

Legally? Maybe.

Practically? Absolutely.

Even a minor mishap on the water can spiral into costly damage or legal headaches. Standard home or boat insurance often won’t cut it. A personal watercraft policy is the smart play if you want full protection.

With annual premiums typically starting around $100, it’s an affordable way to protect your ride, your wallet, and your peace of mind.