A California lake trip is a timeless vacation. All year round, people go for the beautiful view, the peace and quiet—and the adrenaline rush of jet skiing. Many lake and local lagoon locations allow jet skis, but all that high-speed fun comes with some serious risks. To protect yourself and those around you (not to mention your expensive vehicle), it may be a good idea to have jet ski insurance.
Whether you’re bringing your own jet ski or planning to rent one there, here’s everything you need to know about jet ski insurance.
Essential California Jet Ski Insurance Information
Before you look for a policy, you need to know some important information about jet skis. Also called personal watercrafts (PWCs), jet skis are actually classified as boats. You must register your jet ski for the state of California; other state registration won’t carry over. Jet ski insurance is optional in California, but it may be beneficial to have before you hop on.
The California Department of Boating and Waterways states that riders must be at least 16 years old to ride a jet ski, although 12-15 year olds can ride with adult supervision.
Bringing Your Own Jet Ski
Packing your own jet ski along with the cooler and tent? You’re on the fast track to fun! Once you arrive, all you have to do is find a spot and let ‘er rip. By bringing your own jet ski you’re free to have as much fun as you like, for as long as you like, without the thought of an hourly rental charge hanging over you.
One thing you should keep mindful of is other lake-goers. Don’t ride your jet ski where people are swimming, and you should always be aware of boats and other jet skis. Still, accidents do happen, and when they do you’ll be glad to have a jet ski insurance policy.
Jet ski insurance in California cost will vary depending on what you need. Liability coverage will cover injuries to others and at-fault property damage, while collision coverage helps pay for damages or repairs.
Renting a Jet Ski
Renting a jet ski for the afternoon is a little different than bringing your own. If you only plan to ride for a couple hours, do you really need to buy an entire policy? Probably not.
Most rental companies in California will have jet ski insurance policies that cover liability and property damage. Remember, it’s important for the owners to protect their business, so insurance matters to them too.
Insurance coverage is important for all parties involved. By getting insured, you not only ensure the safety of your vacation but everyone else’s vacation too.
Think about what you need and adjust your ideal jet ski insurance cost based on that. Then, once you’re ready, get a quote. You’ll be glad you did.