For Houston Jet Ski insurance there are several options. Personal liability protection is a mandatory part of most policies. This is the coverage for bodily injury (BI) or property damage (PD) to others or their property. It is best to select a high limit so that you will have protection if there is a serious accident. The maximum offered is typically $500,000 and you will need a separate umbrella policy if you want to go higher than that. If all you get is a small amount of liability coverage the cost could be as low as $10 per month.

Medical payments coverage is optional and will usually be offered between $1,000 and $10,000. The uninsured watercraft option provides coverage if another boater damages your Houston personal watercraft and or injures you or your passengers. It is good to have this because many boaters dont have watercraft insurance. You will usually be able to get uninsured watercraft coverage up to the limit selected for bodily injury insurance.

Coverage for your jet ski itself is optional. If you elect to cover the craft there will probably be a choice for the deductible of $100 to $1,000. Be sure to tell your agent if you have a trailer to include for coverage. Other options could include things like coverage for accessories or towing and assistance coverage.

If you get $500,000 in liability coverage plus coverage for your jet ski and trailer the cost could be around $40 per month. Be sure to have an experienced agent review your needs and explain what will be covered.

Texas residents can get more information at our Houston Jet Ski insurance website. Or call my office toll free at 1-866-433-0500.