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  Shelter Insurance Personal Watercraft Insurance

Shelter Insurance Personal Watercraft Insurance

in Personal Watercraft Insurance from Shelter Insurance

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Shelter Insurance Personal Watercraft Insurance

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Highlights
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Financial Strength Rating A

Shelter Insurance 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 Shelter Insurance do business?

Shelter Insurance is an insurance carrier based in Columbia, MO. The company was founded in 1946 and offers watercraft insurance in 15 states in the USA.

Excellent financial rating.

Shelter Insurance scores an A or excellent financial strength rating.

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

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

Pros & Cons of Shelter Insurance Personal Watercraft Insurance
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Liability coverage
  • Uninsured boater rider
  • No fuel spill liability coverage
  • Does not offer wreckage removal
  • What types of WaveRunner and Jet-Ski insurance coverage does Shelter Insurance 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 Shelter Insurance 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 Shelter Insurance offer on-water towing and labor?

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

    Does Shelter Insurance provide wreckage removal?

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

    What is the financial strength rating of Shelter Insurance 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.

    Shelter Insurance Personal Watercraft Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.

    How can I get a Shelter Insurance Personal Watercraft Insurance quote?

    • Visit the Shelter Insurance 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: SuperMoney.com 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...

    Contact

    • Headquarters
    •   1817 West Broadway
      Columbia, MO 65218
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 7:00am - 10:00pm
    • Tuesday 7:00am - 10:00pm
    • Wednesday 7:00am - 10:00pm
    • Thursday 7:00am - 10:00pm
    • Friday 7:00am - 10:00pm
    • Saturday 7:00am - 10:00pm

    Other Services by Shelter Insurance

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 15 states
    • Alaska
    • Colorado
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Mississippi
    • Missouri
    • Nebraska
    • Nevada
    • Ohio
    • Oklahoma
    • Tennessee

    Feature Breakdown

    Financial Strength Rating
    • A
    Carrier Features
    • 24/7 Phone Availability
    • Paperless Billing
    • Locally Available Agents
    • Digital Claims Reporting
    On-Water Towing and Labor  
    Collision  
    Comprehensive  
    Liability  
    Medical Payments  
    Uninsured Boater  

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