PWC Insurance: Are you covered or exposed?

When your personal watercraft is included in your homeowners insurance policy, it can be a bit like a man's bathing suit that is just too small – it just doesn’t seem to cover it all. If you just bought a personal watercraft now you’re may wonder what kind of insurance you need. Maybe you’ve had one for a while and have experienced first hand what a pain lack of insurance can be. If you own a PWC or are planning to buy one, here's what you need to know.

When you rely on your homeowners insurance to cover your boat, you could be leaving critical parts exposed: your passengers, your trailer, your sporting equipment, and your freedom. Yes freedom, many cursory insurance policies actually limit your navigation, once outside that limit you are not covered. Apart from the ability to travel where you please, your passengers and accessories are a big part of why you own a boat and are vital to protect.

Personal Watercraft Insurance should cover what you think is important to the safety of your investment and the safety of those who use your boat. This does not mean that the insurance has to be out of your price range – and you shouldn't have to sacrifice coverage for price. Use an experience boat insurance specialist to guide you through choosing a plan -- with the right coverage there is no need to leave anything exposed.