In Texas, Do You Need Insurance for Your Jet Ski?

A jet ski is a fun way to have a refreshing adventure on Austin, TX, waterways, whether you are riding solo or with a passenger. Like other types of watercraft, knowing what the state of Texas expects in terms of insurance coverage is important so you can enjoy your riding time with peace of mind.

Texas Watercraft Insurance Requirements

Texas boat requirements are specific. The state does not require owners to insure their personal watercraft or boats. While the state may not require insurance coverage, if you are financing the purchase of your jet ski, the lender may require that you provide coverage until the debt is paid off.

In Texas, a boater education certificate is required for those who were born after September 1, 1993, who plan to drive or operate personal watercraft. The Boater Education Course must be passed and proof submitted to receive an operator’s license.

Benefits of Insuring a Jet Ski

Even though Texas does not require owners to provide insurance for their personal watercraft, there are benefits to consider for coverage for jet skis. Having watercraft insurance may include the following.

• Protection against damage caused by an accident, fire, vandalism, or a storm.
• Collision insurance.
• Theft of a jet ski.
• Emergency towing may be part of an insurance plan.
• Liability insurance.
• Medical coverage for an injured person or persons in case of an accident.

Contact Southwest Insurance Center

To cover your jet ski investment and have peace of mind in case of an unexpected accident or event, call our team at Southwest Insurance Center. Our Austin, TX agents can provide you with the information you need to make an informed decision about insuring your jet ski.