To insure your personal watercraft, such as a wave runner, you'll need personal watercraft insurance, commonly referred to as PWC insurance. Personal watercraft insurance is specifically designed to provide coverage for the unique risks associated with owning and operating watercraft like wave runners, Jet Skis, and other similar recreational vehicles.

Here are the types of coverage typically included in a Personal Watercraft policy:

1. Liability Coverage: Similar to auto insurance, liability coverage helps pay for bodily injury and property damage costs if you're at fault in an accident while operating your wave runner. This coverage can also include legal expenses if you're sued due to an accident.
2. Physical Damage Coverage:
   • Collision Coverage: This pays for repairs to your wave runner if it's damaged in a collision with another watercraft, object, or the shoreline.
   • Comprehensive Coverage: This provides protection against non-collision risks, such as theft, vandalism, fire, and natural disasters.
3. Uninsured/Underinsured Watercraft Coverage: This coverage helps protect you if you're involved in an accident with an operator who doesn't have insurance or doesn't have sufficient insurance to cover your losses.
4. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you're injured while operating your wave runner.
5. Personal Effects Coverage: This optional coverage can help replace personal items (like clothing, gear, and equipment) that are lost or damaged while on your wave runner.
6. Towing and Assistance: This coverage helps cover the costs of towing your wave runner if it becomes disabled on the water.
7. Accessory Coverage: Similar to personal effects coverage, this optional coverage protects accessories and add-ons you've added to your wave runner.
8. Wreck Removal: This coverage helps pay for the costs associated with removing your wave runner if it's wrecked and needs to be salvaged.

Before purchasing personal watercraft insurance, it's important to review the policy terms, coverage limits, and any optional endorsements to ensure you have the level of protection you need. The specific coverage options and requirements can vary depending on factors such as your location, how you use your wave runner, and your insurance provider. Speaking with an insurance professional who specializes in watercraft insurance can help you tailor a policy that fits your needs and provides you with peace of mind while enjoying your wave runner on the water.

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