Farmers Personal Watercraft Insurance

Farmers Personal Watercraft Insurance

in Personal Watercraft Insurance from Farmers


Farmers Personal Watercraft Insurance


in Personal Watercraft Insurance from Farmers

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Farmers 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 Farmers do business?

Farmers is an insurance carrier based in Woodland Hills, CA. The company was founded in 1928 and offers watercraft insurance in 50 states (and Washington, DC).

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

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

Pros & Cons of Farmers Personal Watercraft Insurance
Pros Cons
  • 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
  • What types of WaveRunner and Jet-Ski insurance coverage does Farmers 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 Farmers 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 Farmers offer on-water towing and labor?

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

    Does Farmers provide wreckage removal?

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

    What is the financial strength rating of Farmers 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.

    SuperMoney does not have enough data to provide a financial rating for Farmers Personal Watercraft Insurance.

    How can I get a Farmers Personal Watercraft Insurance quote?

    • Visit the Farmers 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

    Boaters Insurance
    • Water Sports Coverage
    • Wreckage Removal
    Boaters Policy Endorsements
    • Fishing Equipment & Carry-On Items
    • Hurricane Coverage
    • Total Loss Replacement
    Vehicle Policy Endorsements
    • Accident Forgiveness
    • Emergency Roadside Service
    • Mechanical Breakdown Coverage
    • Non-Owner Liability Coverage
    • Travel Expenses / Trip Interruption Coverage
    Carrier Features
    • Disaster Response
    • Locally Available Agents
    • Digital Claims Reporting
    On-Water Towing and Labor  
    Medical Payments  
    Uninsured Boater  

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