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What Does Your Jet Ski Insurance Really Cover? Discover Essential Protections with Ocean Trust Insurance
If you’re passionate about watersports in the United States, you know your Jet Ski is a source of adrenaline… and responsibility! When you’re out on the water, any fall, collision, or mishap can turn into an expensive headache. So, what does your insurance really cover? With Ocean Trust Insurance you’ll find the essential protections alongside options for Jet Ski insurance and personal watercraft coverage.
1. Why Choose Ocean Trust Insurance for Your Jet Ski Insurance in Florida?
- Extensive panel of approved carriers
We partner with a wide range of trusted insurers, all licensed by the Florida Department of Financial Services. This allows us to offer personal watercraft insurance plans that meet the highest standards of quality. - Personalized guidance
We listen to your situation and goals to recommend the right coverage. - Best coverage–price ratio
We compare multiple quotes to ensure you get the protection you need at the lowest possible cost. - 24/7 support
In case of accident or claim, our team is available year-round to expedite your settlement and assist with your personal watercraft insurance.
2. What Does Jet Ski Insurance Cover?
At Ocean Trust Insurance, our Jet Ski and personal watercraft plans include a variety of basic and optional coverages:
Hull and Equipment Coverage (Collision & Comprehensive)
- Collision Coverage: Pays for repairs or replacement if your Jet Ski is damaged in a collision—regardless of fault (whether you hit another vessel, an object, or a dock).
- Comprehensive Coverage: Protects against non-collision losses such as theft, vandalism, fire, hurricanes, hail, or sinking from submerged obstacles.
Liability for Bodily Injury and Property Damage
- Bodily Injury: Covers medical expenses and legal fees if you injure someone else while operating your Jet Ski. Includes passengers and other boaters.
- Property Damage: Covers repair or replacement costs if you damage another person’s property (another watercraft, docks, marinas).
Uninsured/Underinsured Boater Coverage
- Assists in covering your medical bills and repair costs if you’re in an accident with a boater who has no insurance or insufficient coverage—so you don’t shoulder the full expense.
Medical Payments
- Pays for your and your passengers’ medical costs (hospital stays, doctor visits, rescue services) regardless of fault.
Emergency Towing & Assistance
- Covers on-water and trailering emergencies (fuel delivery, tire changes for trailers, breakdown assistance) while you’re navigating or transporting your watercraft.
Personal Effects Coverage
- Protects belongings aboard—electronics, life jackets, fishing gear, clothing—from loss, theft, or damage during your ride.
Loss of Use
- Reimburses the cost of renting a replacement watercraft while yours is being repaired due to a covered claim.
Wreck Removal & Pollution Liability
- Wreck Removal: Covers the expense of removing your Jet Ski from the water if it sinks or becomes stranded.
- Pollution Liability: Pays for cleanup of fuel spills or other environmental damage caused by your watercraft.
Optional Add-Ons
- Mechanical Breakdown: Covers repair or replacement of failed mechanical or electrical parts.
- Trailer Coverage: Protects your trailer itself against damage during transport.
3. Your Watercraft Insurance Is Fully Customizable
Every policy can be tailored to the coverages you need and the risk factors tied to your riding habits. Review your policy with your agent to ensure it covers the specific exposures related to operating your personal watercraft.
4. Steps to Purchase Your Jet Ski Insurance in the U.S.
- Quick quote: Visit oceantrustinsurance.com for a free quote, or call +1 866-356-2326.
- Compare options: We’ll present you with several proposals from Florida-approved insurers.
- Review & e-sign: Examine the policies, get answers from our team, and sign electronically.
- Payment & confirmation: Choose payment method (card, ACH, or check) and receive your policy instantly.
- Ready to ride!: Download your insurance card and enjoy your Jet Ski with total peace of mind.
5. Frequently Asked Questions (FAQ)
Can I insure a modified Jet Ski?
Yes! Tell us about your upgrades (engines, performance parts) and we’ll tailor your quote accordingly.
What if I ride outside Florida?
Most policies extend coverage throughout the U.S. and Canada—just check the specific terms for international waters.
How do I file a claim?
Call us at (+1) 866-356-2326. We’ll assign an adjuster to guide you through the process.
Contact Us
At Ocean Trust Insurance, we want you to enjoy the freedom of the water without worry. 📞 +1 866-356-2326 🌐 oceantrustinsurance.com