Understanding USAA Jet Ski Insurance

A jet ski, also known as a personal watercraft or PWC, is a fun way to enjoy time on the water. However, jet skis can be expensive to operate and repair if anything goes wrong. That’s where jet ski insurance comes in. USAA is one of the top providers of insurance specifically for personal watercraft like jet skis.

What does USAA jet ski insurance cover?

USAA jet ski insurance provides liability and physical damage coverage for your personal watercraft. The main types of coverage include:

  • – Liability coverage: This pays for injuries or property damage you cause to others while operating your jet ski, up to the limits you select. Standard limits are usually $100,000 per incident.
  • – Physical damage coverage: This covers repairs to your jet ski if it’s damaged in a collision or other covered incident like fire, theft or storms. You can choose actual cash value coverage to be reimbursed or replacement cost coverage.
  • – Medical payments coverage: This pays for medical expenses for others injured while on your jet ski, regardless of fault, up to a certain limit per person.
  • – Uninsured/underinsured motorist coverage: Pays for your injuries if an at-fault uninsured or underinsured boater hits your jet ski.
  • – Towing and labor coverage: Covers costs to tow your jet ski to shore or a repair shop if it breaks down.

What does USAA jet ski insurance not cover?

Some key things USAA jet ski insurance does not cover include normal wear and tear, mechanical or electrical breakdowns, and damage from improper maintenance. Intentional damage or illegal activities are also excluded. Some policies may not cover jet skis over a certain age.

How much does USAA jet ski insurance cost?

The cost of USAA jet ski insurance can vary depending on factors like your location, the jet ski make and model, your driving history, and your claims history. On average, a basic USAA jet ski insurance policy costs $150-$300 per year. You may qualify for discounts if you take a boating safety course, insure other assets with USAA, or have a good credit score. Getting quotes from multiple providers is a good idea to find the most affordable coverage.

Insuring your jet ski with USAA provides valuable protection if it’s damaged or if you are liable for injuries to others. Their specialized coverage and discounts make them a top choice for personal watercraft owners. Contact an insurance agent today to get a personalized quote for USAA jet ski insurance.


Do I need a special license to operate a jet ski?

Most states do not require a special license to operate a jet ski as long as the operator meets the minimum age requirement, which is usually 14-16 years old. However, some states may require you to pass a boating safety course. It’s best to check your local boating regulations.

How old does a jet ski have to be for USAA to insure it?

USAA jet ski insurance policies typically cover personal watercraft 15 years old or newer. Some policies may have stricter age limits of 10-12 years. Be sure to check any age restrictions with your agent.

Can I add a jet ski to my homeowners or renters insurance policy?

No, jet skis are considered separate recreational watercraft and cannot be covered under standard homeowners or renters policies. You need specialized marine/boating insurance like USAA jet ski insurance.

Am I covered if I loan my jet ski to a friend?

USAA policies extend liability coverage to permissive users, meaning those operating your jet ski with your permission. However, any damage they cause while operating it may not be covered under your physical damage coverage.

Does the insurance cover race events or competitions?

No, standard USAA jet ski coverage does not extend to organized racing events or competitions. You would need a separate special event insurance policy to cover these higher risk activities.

What is the claims process if my jet ski is damaged?

You would notify USAA of the incident and file a claim. They may send an adjuster to inspect the jet ski. With repair estimates, you could either have repairs done and submit receipts, or receive payment based on actual cash value or replacement cost limits under your coverage.

How can I get a quote for USAA jet ski insurance?

You can contact a local USAA insurance agent directly to get a personalized quote over the phone. They will need details on your jet ski make/model, location, driving history, and other factors to provide competitive rate options tailored for your needs.


USAA provides specialized insurance coverage tailored for personal watercraft like jet skis. Their jet ski insurance offers important liability and physical damage protection at an affordable price for most owners. With competitive rates and member discounts, USAA is a top choice for insuring your jet ski. Be sure to review your policy details carefully and contact an agent with any other questions. Having the right coverage in place can give you peace of mind while enjoying time out on the water.

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