Jet Ski Insurance in Massachusetts

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What is Jet Ski Insurance?

Owning a jet ski is a lot of fun, but the sport comes with some inherent potential dangers. There are thousands of on-water accidents every year, and many involve personal watercraft. These accidents sometimes result in serious bodily harm, substantial property damage and even death. Jet ski insurance won’t prevent on-water accidents from occurring, but it may provide financial assistance to Massachusetts jet ski owners who are involved in covered accidents.

Jet ski insurance is a specialized form of personal insurance that’s been specifically crafted to meet the needs of jet ski owners. Policies are somewhat similar to car insurance policies at points, but there also are differences between the two.

Who in Massachusetts Needs a Jet Ski Policy?

Most Massachusetts residents who own a jet ski should purchase a jet ski policy for it. Recovering from a single incident could be costly if no coverage is in place, and this is normally the most appropriate type of policy for jet ski owners to purchase.

Residents who own other watercraft, such as sailboats or motorboats, often have similar insurance needs to jet ski owners. Their insurance needs aren’t always completely identical, though, and a traditional boat insurance policy is usually better for insuring these types of watercraft.

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Jet Ski Insurance Massachusetts

What Coverages Do Jet Ski Policies Provide?

As mentioned, jet ski policies are similar to car insurance policies at some points and different from them at others. These similarities and differences frequently show up in jet ski policies’ coverages.

Some of the coverages that both types of policies typically offer are:

  • Medical Payments Coverage, which might cover injuries sustained by passengers and a driver who are on a jet ski
  • Bodily Injury Liability Coverage, which might cover injuries sustained by people not on a jet ski
  • Collision and Comprehensive Coverage, which might cover damage to a jet ski
  • Property Damage Liability Coverage, which might cover damage to other parties’ property
  • Uninsured and Underinsured Coverage, which might cover collisions caused by improperly insured boaters

Some of the coverages that jet ski policies might provide but aren’t generally applicable to car insurance include:

  • Coverage for sports gear kept on the jet ski
  • Coverage for safety equipment kept on the jet ski
  • Coverage for towing on the water
  • Coverage for recovering the jet ski if it sinks
  • Coverage for on-water fuel or oil spills

(As is true with car insurance policies, the precise coverages and protections that jet ski policies provide frequently vary.)

Jet Ski Insurance Massachusetts
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How Can Residents in Massachusetts Get Jet Ski Insurance?

For help finding Jet Ski insurance in Massachusetts, contact the independent insurance agents at Scotti Insurance Agency. Our agents can request architect policies from multiple insurance companies in the state on your behalf, and they have the expertise needed to help you determine which one is best for your situation.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890