Do I Need to Insure My Personal Watercraft in Winter?

While preparing to store your personal watercraft (PWC) for the winter, you may wonder if it needs insurance when you aren't using it. Even though your PWC may hibernate for the season, it still needs protection.

Since PWC's are not included in your homeowner's insurance, you probably already have some form of PWC insurance. However, it's important to make sure you have all your ducks in a row.

There are generally three types of PWC insurance:

• Medical Payments Coverage pays for medical expenses if the PWC driver and/or passenger are injured.
• Watercraft Liability Coverage pays for property damage or injuries to someone else.
• Physical Damage Coverage is an optional coverage that protects your PWC when it’s not in the water.

Do I Need Physical Damage Coverage?

While it is optional, Physical Damage Coverage protects your PWC while it's in storage in case of theft, vandalism, fire, or natural disaster. It also covers your PWC during hauling and loading the craft from storage to the dock, and from the dock to the water—and back again. No matter how safely you drive, no matter where it's stored or how carefully you wrap it up for winter, accidents can ruin your plans.

Since you choose your deductible and coverage amounts, you have flexible options for your individual needs and budget. Insurance during the winter can ensure your summer runs the way you want!

Learn more about Allstate's Boat Insurance here or call 1-800-467-2628 to get a quote. You can also find an agent. Any way you choose, you'll see how affordable Allstate quality can be.