In Arizona, state law does not explicitly require jet ski insurance for personal watercraft (PWC) owners or operators. While insurance is not mandated by the state, it’s often strongly recommended. It may be required by certain rental companies or marinas where you plan to operate a jet ski.

Here are some points to consider…

• Rental Requirements – If you’re renting a jet ski, the rental company may require you to purchase insurance or provide proof of coverage as part of their rental agreement. This helps protect both you and the rental company from potential liability.
• Liability Coverage – Even though it’s not mandatory, having liability insurance for your jet ski can provide financial protection in case of accidents that cause damage to property or injury to others.
• Personal Assets – Without insurance, you could be liable for damages or injuries from an accident while operating a jet ski. Insurance can help mitigate these risks.
• Policy Options – Insurance coverage for jet skis typically includes liability coverage, which covers damages to third parties, and comprehensive and collision coverage for damage to your own PWC.
• Consultation – To determine your specific insurance needs for a jet ski in Arizona, consider consulting with insurance providers that specialize in watercraft insurance. They can provide policy information and help you choose the coverage that best meets your needs.

While Arizona does not require jet ski insurance by law, it’s wise to consider insurance coverage to protect yourself and others while enjoying water activities.