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USAA Personal Watercraft Insurance

in Personal Watercraft Insurance from USAA

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USAA Personal Watercraft Insurance

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Highlights
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Financial Strength Rating A+

USAA 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 USAA do business?

USAA is an insurance carrier based in San Antonio, TX. The company was founded in 1922 and offers watercraft insurance in 50 states (and Washington, DC).

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

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

Pros & Cons of USAA Personal Watercraft Insurance
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Liability coverage
  • Does not offer an uninsured boater rider
  • No fuel spill liability coverage
  • No coverage for on-water towing and labor
  • Does not offer wreckage removal
  • Not many policy discounts available
  • What types of WaveRunner and Jet-Ski insurance coverage does USAA 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 USAA 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.

    Does USAA offer on-water towing and labor?

    No, USAA does not offer on-water towing and labor to policyholders.

    Does USAA provide wreckage removal?

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

    What is the financial strength rating of USAA 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.

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

    How can I get a USAA Personal Watercraft Insurance quote?

    • Visit the USAA 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...

    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 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

    Financial Strength Rating
    • A+
    Carrier Features
    • 24/7 Phone Availability
    • Mobile Claims App
    • Locally Available Agents
    Collision  
    Comprehensive  
    Liability  
    Medical Payments  

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