Personal Watercraft (PWC) Insurance

Personal watercraft are fast and flexible. They have a built-in jet drive that gives you thrills you never can get on a boat. Whether your personal watercraft is a Sea-Doo, a jet ski, or a WaveRunner, Capital Insurance, serving Spokane, WA, eastern Washington State, and northern Idaho, can help you find the personal watercraft insurance you need.

Does the State of Washington Require Personal Watercraft Insurance?

The State of Washington does not require personal watercraft insurance. Idaho and British Columbia don’t, either.

But insuring your personal watercraft and your boat is a good idea if:

  • You borrowed money from your bank or credit union to buy them.
  • You keep your personal watercraft or boat moored at a private dock or marina.
  • You use your personal watercraft in a county that has its own stricter regulations. (You may also encounter this on lakes in Kootenai County in Idaho.)

Even if the state doesn’t require personal watercraft insurance, getting coverage is usually a good idea.

What You Get with Personal Watercraft Insurance

Capital Insurance helps water sports enthusiasts in Spokane, WA, and nearby areas obtain the important benefits of personal watercraft insurance, including:

  • Personal watercraft insurance covers damage to your personal watercraft, boats, docks, and marinas, as well as the medical expenses of other people injured in a mishap with your personal watercraft. We can write an umbrella policy for you if you need high-limit liability coverage.
  • Wreckage removal covers the collection of a wrecked personal watercraft from the scene of an accident.
  • Fuel spill coverage takes care of the legally required cleanup of a fuel spill.
  • Watersport insurance covers medical bills for anyone authorized on your policy when there is an accident with your personal watercraft.

At Capital Insurance, we can also write comprehensive, collision, and towing insurance for your personal watercraft.

Make an appointment with Capital Insurance to get the insurance you need to have fun on the water this summer. We can get you the policy that best meets your needs in minutes.