In Texas, there is no state law that mandates liability insurance specifically for jet skis or other personal watercraft (PWC). However, having liability insurance is strongly recommended and often required by marinas, rental agencies, and financing companies if you have a loan on the jet ski.

Here are some key points to consider regarding insurance for jet skis in Texas…

• Liability Coverage – Liability insurance helps protect you financially if you are found responsible for causing injury or property damage to others while operating your jet ski. This coverage may also extend to legal expenses if you are sued as a result of an accident.
• Collision and Comprehensive Coverage – While not required by law, collision and comprehensive coverage can protect your jet ski from damage or loss caused by accidents, theft, vandalism, or weather-related incidents.
• Rental Requirements – If you plan to rent a jet ski from a commercial rental agency, they will typically require proof of insurance or offer insurance options as part of the rental agreement.
• Storage and Financing Requirements: If you store your jet ski at a marina or have a loan on the watercraft, the marina or lender may require proof of insurance coverage.
• Boat Insurance Policies: Some insurers offer specific boat or PWC insurance policies that can be tailored to your needs, providing coverage for liability, physical damage, medical payments, and more.

While Texas law does not mandate insurance specifically for jet skis, having adequate coverage can protect you financially in case of accidents or damage. It’s advisable to consult with an insurance agent familiar with boating or PWC insurance to discuss your coverage options based on your individual needs and circumstances.