The Hartford 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 The Hartford do business?

The Hartford is an insurance carrier based in Hartford, CT. The company was founded in 1810 and offers watercraft insurance in 50 states (and Washington, DC).

Highest possible financial rating. The Hartford 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 The Hartford Personal Watercraft Insurance is a good choice, read on.

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

Pros & Cons of The Hartford 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 Not many policy discounts available

What types of WaveRunner and Jet-Ski insurance coverage does The Hartford 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 The Hartford 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.

What is the financial strength rating of The Hartford 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.

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

How can I get a The Hartford Personal Watercraft Insurance quote?

• Visit the The Hartford 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.