PERSONAL WATERCRAFT COVERAGE
Most people refer to a personal watercraft, or a PWC, by the brand name (Jet Ski®, WaveRunner® or SEADOO®). Whatever you call it, Accent Insurance can place the coverage for it.
Loss free renewal – 5% on first renewal, 10% on successive years
Experience – rate adjusted to reflect your boating experience
Insuring multiple units – 10% if insuring two or more
Personal watercraft are best protected with physical damage protection for the hull, comprehensive coverage for other kinds of damage or loss, plus liability coverage. Where appropriate, a liability only policy can be written.
Market value settlement – In the event of a total loss or theft, we pay the market value (actual cash value), which includes a deduction for depreciation. For a partial loss, we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
Medical payments – Policy includes $1,000 of coverage which can be increased up to $5,000.
Uninsured watercraft and non-owned watercraft liability covered to $15,000 or 50% of per person watercraft liability.
Personal effects covered to $150
Emergency assistance and towing covered to $150 ($300 per term)
Uninsured watercraft and non-owned watercraft liability coverage equal to per person watercraft liability
Personal effects covered to $300
Emergency assistance and towing covered to $250 ($500 per term)
Trailer or boat lift – Add physical damage coverage for a trailer designed to transport your insured boat or the lift to take it out of the water.
Watersport liability – Add protection beyond general liability.