Personal Watercraft Insurance in Greater Baton Rouge

If you love to enjoy the balmy Louisiana weather by exploring your local lake on a personal watercraft, it's important to protect your interests with sufficient personal watercraft insurance. Serving the Baton Rouge area, Losey Insurance & Financial Services is a family-owned business with more than 30 years of experience, including policies for your WaveRunner, Jet Ski, or other types of personal watercraft (PWC).

What Is Personal Watercraft Insurance?

A personal watercraft insurance policy is used to protect you against loss if your PWC is stolen or damaged. It can also cover damages if you injure someone or damage property while driving your PWC. As with auto insurance, if your PWC is involved in an accident or incident, you file a claim for the damages incurred. After you pay a deductible, the insurer pays for covered damages.

What Does Personal Watercraft Insurance Cover?

Depending on the specific policy you purchase, PWC insurance commonly provides some or all of the following types of coverage:

  • Damage to your PWC
  • Property damage for another individual's boat, watercraft, dock, or other property if you are responsible for an accident involving your PWC
  • Bodily injury or death liability
  • Personal injury you receive in an accident with an uninsured boater
  • Medical expenses
  • Towing and wreckage removal
  • Personal items and/or supplies on board
  • Coverage for a PWC trailer

How Much PWC Insurance Do I Need?

The amount of PWC insurance you'll need depends on a range of factors, including the exact make, model, and year of the PWC in question; the maximum operating speed; the engine type and horsepower; the value of the watercraft; whether any modifications have been made; and whether you've taken a boating safety course. In addition to these factors, the amount of insurance is also impacted by the types of coverage you want to include in your policy.

Most PWC policies cost between $150 and $500 a year. For optimal protection, you should opt for the maximum available liability and medical coverage. You can also purchase replacement coverage to buy a new PWC if your vehicle is totaled, and you may want to also cover personal property you carry on board. In some cases, you can opt for an umbrella policy which will take effect when you've exhausted the limits of existing coverage.

Is Insurance Required to Own or Operate a PWC?

Boat insurance, including insurance for PWC, is not legally required in Louisiana. However, it is strongly advised to invest in PWC insurance in case you're involved in an accident and suddenly face expensive repairs and medical bills. Also, if you will be operating your vehicle in another state, it's important to familiarize yourself with the applicable state laws regarding PWC insurance.

Request a free quote for PWC insurance from Losey Insurance & Financial Services today. You can also explore the other personal insurance lines we offer and learn more about our qualifications. We are proud to be a women-owned business serving the insurance needs of the Baton Rouge area with more than 100 years of collective industry experience.