Yes, in Florida, jet skis and other personal watercraft (PWCs) typically require insurance coverage.

Here are some key points regarding insurance for jet skis in Florida…

• Legal Requirement
  • Florida law does not explicitly require insurance for jet skis, but if you finance the purchase of a jet ski, your lender will likely require you to carry insurance until the loan is paid off.
• Liability Coverage
  • Liability insurance is highly recommended to protect you financially if you cause an accident resulting in property damage or injury to others while operating the jet ski.
• Additional Coverage Options
  • Comprehensive and collision coverage can protect your jet ski from damage or loss due to theft, vandalism, or accidents.
  • Uninsured/underinsured boater coverage can provide financial protection if you are involved in an accident with an uninsured or underinsured boater.
• Personal Watercraft Insurance Policies
  • Many insurance companies offer specialized policies tailored to personal watercraft, including jet skis. These policies may vary in coverage limits, deductibles, and premiums based on factors such as the value of the jet ski, usage, and operator experience.
• Rental Requirements
  • If you plan to rent a jet ski, the rental company may require you to purchase insurance or provide proof of coverage before renting.

While Florida law does not mandate insurance for jet skis in all cases, having adequate coverage can provide financial protection and peace of mind in an accident or unforeseen circumstances. It’s advisable to consult with an insurance agent specializing in marine or personal watercraft insurance to explore your options and determine the coverage that best meets your needs.