Virginia PWC Insurance

Independent agents in Virginia shop multiple companies to get you the best price on pwc insurance.

Jessica Huneck is an insurance writer from TrustedChoice.com. She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Virginia is for lovers, and Virginia’s residents love their PWCs. If you own one of the many personal watercraft registered in this state, you may be wondering whether or not you need PWC insurance. While coverage is not required by the state, it can prove to be a worthwhile investment. With more than 46 rivers, 61 boat-worthy lakes and 112 miles of Atlantic coastline, Virginia has plenty of places for PWC owners to enjoy this pastime. It is a good idea to request and compare quotes on coverage for these vessels before taking to the water.

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Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

A personal watercraft, commonly referred to as a PWC, is defined as a type of motorized boat that is designed in such a way that an operator stands, sits, or kneels on it, as opposed to sitting inside, as one would on a traditional boat. Some examples of popular PWC brand names include Jet Ski, Sea-Doo and WaveRunner. In many cases, people refer to types by the brand names associated with them, even if they are made by a different manufacturer.

PWCs come in the following four model types:

The Virginia Department of Game and Inland Fisheries regulates PWC use on state waters. Some laws enforced by the NMSPD include the following:

If you financed the purchase of your watercraft, you will likely be required by your lenders to carry PWC insurance for the life of the loan. Otherwise, it's not legally required that you have that insurance coverage.

You may assume that your homeowners insurance will cover you if you are in an accident, and in a few cases, you may be able to receive sufficient compensation. However, the coverage afforded by homeowners insurance can be very limited and will not cover everything that a PWC insurance policy can. The best way to protect the investment you have made in your watercraft, as well as your personal finances if liability costs become an issue, is through the purchase of a PWC insurance policy.

There are many coverage options available with a PWC insurance policy. Some insurance companies will include all of these coverage types as part of a standard package, while others will include only liability coverage as a base and then require you to purchase each additional option you want as a separate rider. Coverage you can get includes:

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Fortunately for Virginia residents, the cost of PWC insurance is kept lower than in other states, because watercraft operators in this state are required to take a boating safety course. When you request PWC insurance quotes from various companies, the cost of your particular policy will be calculated based on many factors. These include:

Most policies can be purchased at a rate of about $1 day. In Virginia, where the winter months may not be favorable for PWC use, you may be able to save money by purchasing a seasonal policy. You may be able to further lower your policy rate by taking advantage of discounts offered by some insurance providers. Some companies offer rate reductions for such things as having multiple insurance policies with the same carrier or for opting for discounted billing methods. Be sure to ask about available discounts when requesting PWC insurance quotes.

If you want to be sure you are getting your PWC insurance at a great rate, you will need to do some comparison shopping. An independent agent in the Trusted Choice® network may be able to save you time and money by collecting a selection of rate quotes for you. These agents have offices throughout Virginia. Allow a local member agent to answer your insurance-related questions and help you compare the coverage offered by a variety of insurance companies.

Contact an agent in or near your Virginia neighborhood to learn more about your PWC insurance options and to start comparing quotes for this coverage.

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