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AMERICAN MODERN Personal Watercraft 

The Essentials

Liability Only. You can be held liable for damaged property or personal injury, to both non-family and family members, if an accident occurs.

Comprehensive/Collision. Protects your PWC from damage resulting from fire, theft and most other perils, plus adds collision coverage for accidental damage.

Physical Damage. We offer market value protection against damage to or theft of your PWC.

Medical Payments. Up to $5,000 in medical expense coverage is available for boating injuries.

U.S. and Canadian Waters. Other carriers may limit when and where you can use your PWC, to the point of naming specific lakes and waterways. With American Modern, you're covered in U.S. and Canadian waters, although offshore distance restrictions apply.  

Personal Watercraft 

The Extras

Add to your policy with these extras.

Watersports Liability. If you like to water ski with your PWC, this option is just for you.

Trailer. Protect the trailer you use to tow your PWC.

JetSport Advantage. This endorsement includes:

  • Uninsured Watercraft. Provides bodily injury protection to you if an uninsured boater collides with your PWC.
  • Non-owned Watercraft Liability. Extends your policy's liability coverage to most PWCs you rent or borrow.
  • Personal Effects Coverage. Covers personal belongings stored on board that are stolen or damaged.
  • Emergency Assistance and Towing. Helps you if your PWC breaks down on the water, or if your trailer breaks down during transport.
  • JetSport Advantage Plus Endorsement. Upgrades you to higher limits.

Personal Watercraft 

The Discounts

Discounts and credits help lower your premium payment:

Multi-Unit Discount. Insure two or more PWC and receive this discount.

Claim Free Renewals. Earn a renewal discount if you are claim free through your policy term.

Ownership Experience Credit. If you have owned a PWC or boat for at least two years, we give you credit for that knowledge and experience.

Machinery Damage. On older units, the deductible may be higher than the cost to repair or replace it. If you opt to remove machinery damage from your policy, we’ll discount your premium. To make your life a bit easier, we also offer:

Multiple Deductible Options. Talk to your agent to determine the best deductible choice for your circumstances.

Convenient Payment Options. We are happy to take your check or major credit card. For some products our electronic funds transfer (EFT) service deducts your payments from your checking account.  

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