Allstate Personal Watercraft Insurance

Allstate Personal Watercraft Insurance

in Personal Watercraft Insurance from Allstate


Allstate Personal Watercraft Insurance


in Personal Watercraft Insurance from Allstate

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Financial Strength Rating A+

Allstate Personal Watercraft Insurance Review

This review focuses on insurance for your personal watercraft. If you are looking for reviews on boat insurance, click here.

What is a personal watercraft?

Most people either call them water scooters or by one of three brands: Jet-Ski, WaveRunner, or Sea-Doo. The United States Coast Guard defines a personal watercraft (or PWC) as a boat less than 16 feet in length that is designed to carry one to three persons and is operated by someone on the the watercraft.

Do I need Jet-Ski and WaveRunner insurance?

Legal requirements vary by state. Most states require some level of liability insurance. If you financed it with a loan, your lender may require you to get comprehensive insurance.

Where does Allstate do business?

Allstate is an insurance carrier based in Northbrook, IL. The company was founded in 1931 and offers watercraft insurance in 50 states (and Washington, DC).

Highest possible financial rating. Allstate scores the highest available financial rating, which is just what you want from the company responsible for paying for your insurance claims.

If you are looking for a personal watercraft insurance policy and you're wondering whether Allstate Personal Watercraft Insurance is a good choice, read on.

How does Allstate Personal Watercraft Insurance compare to other personal watercraft insurance companies?

Pros & Cons of Allstate Personal Watercraft Insurance
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • Generous with policy discounts
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Liability coverage
  • Uninsured boater rider
  • Generous with policy discounts
  • No fuel spill liability coverage
  • Does not offer wreckage removal
  • up to 350000.

    What is the minimum and maximum deductible you can choose for a policy?

    Adding a deductible to your insurance policy can reduce your premium. Allstate Personal Watercraft Insurance offers deductibles of $500 to $1,000

    What types of WaveRunner and Jet-Ski insurance coverage does Allstate Personal Watercraft Insurance offer?

    Most people don't think about it when they buy a small boat or jet ski, but there are several types of personal watercraft insurance coverage. In the event of an accident, you need the right coverage to protect yourself from property damage costs and liability. These are types of policy Allstate offers.

    Collision helps you repair or replace your personal watercraft (PWC) if it's damaged in an accident with another boat, a harbor, or any other structure.

    Comprehensive coverage  helps pay to replace or repair your boat or jet ski if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail).

    Medical Payments coverage, also known as MedPay coverage, pays medical expenses for you and any passengers in your vehicle who are injured during a boating accident or watercraft-related injury.

    Liability coverage may prevent you from paying out of pocket for medical bills and other related costs — like loss of income — when someone is injured in an accident that you caused. It also helps with the costs of repairing or replacing another person's boat or property when you damage it in an accident.

    Uninsured boater coverage helps pay for injuries people on your boat sustain from another boater who does not have insurance.

    Does Allstate offer on-water towing and labor?

    Yes, Allstate will pay for on-water towing, jump starts, soft un-grounding and fuel delivery.

    Does Allstate provide wreckage removal?

    No, Allstate does not have wreckage removal as an available rider for personal watercraft insurance policies.

    What is the financial strength rating of Allstate Personal Watercraft Insurance?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Allstate Personal Watercraft Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

    How can I get a Allstate Personal Watercraft Insurance quote?

    • Visit the Allstate website.
    • Fill in the insurance quote application form. You will typically need to provide personal information, such as your name, personal watercraft information and documentation, your driver's license, and address.
    • Check the information is accurate and submit your application.

    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Max/Min Deductibles $500 - $1,000
    Boaters Policy Endorsements
    • Fishing Equipment & Carry-On Items
    • Total Loss Replacement
    Vehicle Policy Endorsements
    • Emergency Roadside Service
    • Mechanical Breakdown Coverage
    • Non-Owner Liability Coverage
    Financial Strength Rating A+
    Carrier Features
    • 24/7 Phone Availability
    • Live Chat
    • Paperless Billing
    • Locally Available Agents
    • Digital Claims Reporting
    On-Water Towing and Labor  
    Medical Payments  
    Min/Max Liability Coverage Up to $350,000
    Uninsured Boater  

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