Finding the best jet ski insurance is not that hard if you have the right procedure to follow. However, some people always think that the cheapest quote is always the best, but that is not always the case. This is why it is important for you to compare the options you have before choosing. Nevertheless, I have some recommendations that you can check out and consider.
Similar to a car, home, and other types of insurance, jet ski insurance comes in various sizes and shapes, and I know that finding the perfect quote can be hard, especially if you are doing so for the first time. But before choosing, you need to find out how much you can afford, how much coverage you need, and what coverage type suits you.
This is because all of these factors will help you choose a good policy for you and your jet ski. Moreover, you get to use your watercraft without having to worry because your insurance company has got your back. More importantly, a good quote will have basic liability insurance, which will help you against bodily injury and accidental physical damage.
What is Jet Ski Insurance?
Jet ski insurance is a type of insurance that protects your jet ski as well as you against storm-related damage, vandalism, costly incidents, fuel spills, and collisions. Sometimes, this type of insurance falls under the umbrella of personal watercraft insurance. So, this type of insurance covers small boats and personal watercraft.
6 Best Jet Ski Insurance Companies
Now, down to business. This is the section where you will find the best jet ski insurance and why you should choose it. So, be sure to go through them carefully, and if you need more information, you can go to their official website to make inquiries. Let us dive into it:
- Global Marine Insurance Agency
- Ski Safe
1. Global Marine Insurance Agency
Number one on the list of the best jet ski insurance companies is Global Marine Insurance Agency. What’s more, they are best for commercial use, and you can easily access a quote online.
However, people living in Florida are not able to access their services. Nevertheless, you can enjoy flexible coverage options and competitive pricing as well.
Markel is one of the best-known insurance companies in the USA. You can also customize your coverage when you want to purchase a quote. Moreover, they have special insurance policies that allow you to participate in any watersport you want.
Following this, their services and policies are flexible, and their deductibles are diminishing. However, it is not easy to access a quote online, and you cannot combine it with other types of insurance.
If you need different jet ski coverage, then you should try out Progressive. What’s more, they offer discounts to multi-policies and multi-unit policyholders. Therefore, if you sign up for more than one watercraft for insurance, you can save money.
However, their coverage maximums are lower in some locations, and you cannot customize your policy, unlike Ski Safe. Their deductibles are also higher than those of their competitors.
Next on the list of the best jet ski insurance is Allstate. It is also perfect for policyholder benefits, and as a policyholder, you can enjoy discounts and save on your jet ski insurance purchase.
Although their quotes are not available online and their offers and coverage vary by state, you can still enjoy other services that they offer.
Nationwide is another of the most popular insurance companies in the United States. Furthermore, if you are interested in bundling, this company is the perfect pick.
They are also known for their affordable insurance products, and you get to couple or bundle your home, life, auto, and jet ski insurance together to save money. In the meantime, Nationwide has competitive rates for multi-policy clients and disappearing deductibles.
6. Ski Safe
Ski Safe is the best jet ski insurance company that I will recommend. For as low as $85 per year, you can access its comprehensive jet ski insurance and several discounts and benefits. In addition to this, you can customize your options to get reliable and cheap coverage.
With Ski Safe, you can enjoy low premiums and flexible coverage options. However, under some circumstances, their deductible can be very high, and discounts can be limited. Plus, some of their quotes are not available online.
How to Choose the Best Quotes
Before choosing an insurer or an insurance company to purchase a quote with, there are some things that you need to look out for. Here are some tips you can use when comparing the policies:
- Shop around for boat insurance policies.
- Look out for discounts.
- Check if your homeowner’s insurance covers your boat.
- Find out what your policy covers and what it doesn’t.
- Calculate how much coverage you need.
- Read through the policy carefully.
These tips can also help you choose and find the cheapest jet ski insurance quote. So, do not take them for granted.