Personal Watercraft Insurance

Jet ski insurance costs can vary widely, typically ranging from $100 to $500 annually, depending on various factors. These include the make and model of your jet ski, its horsepower, your riding experience, where you use it, and the coverage limits you choose. At Utah Community Credit Union, we work to find you affordable jet ski insurance that doesn’t compromise on coverage. Factors that can lower your premium include taking safety courses, having a clean riding record, and bundling your jet ski insurance with other policies. For an accurate quote tailored to your specific situation, contact our insurance team or use our online quote tool.

Jetski insurance from Utah Community Credit Union can provide comprehensive protection for your personal watercraft. Standard coverage often includes:

• Collision damage to your jet ski
• Liability protection for injuries or property damage you may cause to others
• Theft and vandalism protection
• Uninsured/underinsured watercraft coverage
• Towing and on-water assistance
• Coverage for your jet ski trailer Some policies may also offer additional options like personal property coverage for items you bring on board. We can help you customize your policy to ensure you have the right level of protection for your specific needs and usage.

At Utah Community Credit Union, we understand the importance of affordable protection for your personal watercraft. To find cheap watercraft insurance without compromising on coverage:

1. Compare quotes from multiple insurers (we do this for you)
2. Bundle your watercraft insurance with other policies for potential discounts
3. Choose a higher deductible to lower your premium
4. Take advantage of safety discounts by completing approved boating courses
5. Maintain a clean riding record
6. Consider laying up coverage during off-seasons when you’re not using your watercraft Our insurance experts can help you navigate these options to find the most cost-effective coverage that still provides robust protection for your jet ski or personal watercraft.

Yes, insurance for your personal watercraft is recommended even if you only use it occasionally. Accidents can happen anytime you’re on the water, and your watercraft can be damaged or stolen even when it’s not in use. Many marinas and lakes require proof of insurance, and if you’re financing your jet ski or WaveRunner, your lender will likely mandate coverage. Occasional use doesn’t eliminate risks, and having insurance provides peace of mind year-round. At Utah Community Credit Union, we can help you find affordable watercraft insurance that protects your investment whether it’s in the water, in transit, or in storage.