Safety Tips for Your Personal Watercraft

Personal Watercrafts (PWCs), such as jet skis and wave runners, can take summer fun to the next level. But the increased thrill of zooming across the waves also requires increased responsibility. Learn important water safety tips for operating your PWC, the safety equipment you should always have on board, and the insurance coverage you need to stay safe as you cruise across the water.

Man riding on a jet ski

Safety on the Jet Ski

Personal watercrafts (PWCs) - jet skis and wave runners - are popular amongst thrill seekers and families alike. But they can be just as dangerous as boats. In fact, in 2010, PWCs were the second deadliest water vessels, causing 814 deaths. That's why operators need to take precautions and practice water safety habits at all times.

There are several items you should keep on your personal watercraft checklist to help avoid an emergency, including:

  • A marine radio - in case you need to call for help or get the latest weather reports

  • Proof of the right type of insurance coverage, in case of an accident or injury

  • A compass, especially if you are not familiar with the water

  • A signaling device - such as a flare kit or whistle

  • A flashlight

  • An up-to-date chart of the water that you're going to be on

There are also mandatory items that PWC operators and passengers must have, including an approved personal flotation device and dead-man lanyard connecting the driver to the ignition.

To learn more about PWC and water safety, check out Allstate's safety videos on PWC starting procedures and operation, and PWC safety equipment.

Is Your PWC Ready for Winter?

Just because your PWC is put in storage during the winter months, doesn't mean it should go unprotected.

To learn more about PWC and water safety, check out Allstate's safety videos on PWC starting procedures and operation, and PWC safety equipment.

Is Your PWC Ready for Winter?

Just because your PWC is put in storage during the winter months, doesn't mean it should go unprotected.

PWCs are not covered under your homeowner's insurance policy. But there are generally three types of insurance coverage available :

  • Medical Payments Coverage helps cover medical expenses if the PWC driver and/or passenger are injured.

  • Watercraft Liability Coverage helps cover property damage or injuries to someone else.

  • Physical Damage Coverage protects your PWC in or out of the water. This will protect your PWC while it's in storage in case of theft, vandalism, fire or natural disaster. It will also protect your PWC while you take it from the dock to storage or from storage to the dock.

For more information on personal watercraft insurance, find an agent near you or call us at 1-866-601-BOAT (1-866-601-2628) today.

Published: April 2012

Savings and coverage subject to terms, conditions and availability. Savings will vary. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2011 Allstate Insurance Company.

The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.

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