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Freedom on the Water is Worth Protecting

Affordable Hull & Injury Coverage

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Personal Watercraft Insurance in Florida

Florida’s beautiful coastlines and lakes make it the perfect place to enjoy personal watercraft, but fun on the water comes with risks. At Magnuson Insurance, we offer affordable, reliable personal watercraft insurance in Florida to protect your Jet Ski, Sea-Doo, WaveRunner, or other PWC from accidents, theft, damage, and liability claims. Our PWC insurance policies cover bodily injury and property damage liability, collision and comprehensive damage, uninsured boater coverage, and even towing assistance.

 

Whether you're riding solo off the coast or enjoying the weekends on a lake, having the right Florida PWC insurance gives you peace of mind and helps keep your adventures worry-free. Get a fast, free quote today and ride with confidence knowing you’re protected by one of Florida’s trusted watercraft insurance providers.

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FAQ

Frequently Asked Questions

  • What auto insurance coverage is required in Florida?
    Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. Bodily Injury Liability is not required but is recommended. At minimum, at least $10,000 of Property Damage Liability and $10,000 of Personal Injury Protection is required to register and drive a vehicle in Florida. If the vehicle is financed (or you would like to cover it voluntarily), you'll need to carry Comprehensive and Collision. Deductibles are usually $500 or $1,000. Other options are available. Bodily Injury Liability is not needed to qualify for minimum requirements, but we strongly encourage everyone to include it. If you choose to carry it, $10,000 per person / $20,000 per accident is the entry limit. With Bodily Injury Liability included, you can select Uninsured Motorist coverage in an amount up to the same Bodily Injury Liability limit. This coverage can be limited or rejected for a reduced premium.
  • I'm in a unique situation, can you help?
    Almost always, yes! We can offer coverage to anyone who needs Florida auto insurance. Here are some of the unique situations we handle everyday: License Suspensions - SR22's - FR44's - CFR's Ridesharing Drivers - Uber - Lyft Accidents, Tickets, DUIs, & Excess Claims Commercial & Business Exposure Foreign Licenses
  • Gap coverage? Mechanical Breakdown? OEM Replacement?
    Yes, yes, yes, and even more! Every carrier offers the basics, but each one has their own unique coverage that sets them apart. Let your agent know if there is something important to you and we will tailor our quote to meet your needs.
  • What does a homeowner's or renter's policy cover?
    Homeowner's and renter's policies protects what you own in a home from damage due to many different causes. The amount of coverage is spread amongst the following sections: - Coverage A - Dwelling (Homeowners Only) - Coverage B - Other Structures (Homeowners Only) - Coverage C - Personal Property - Coverage D - Loss of Use - Coverage E - Personal Liability - Coverage F - Medical Payments for Others
  • How much coverage do I need?
    Our agents use specialized tools to estimate the replacement cost for the home and other structures based on current material and labor costs. We do not rely on the market value, appraised value, or outstanding loan amount to make our calculations. Personal property can often be customized based on the value of your contents. We can select a recommended limit if you aren't sure. Liability coverage should be offered at limits of $300,000 or higher when available from the carrier. $100,000 is the highest limit available from Citizens, however most private market carriers offer higher options for just $15 more premium per year.
  • I'm a first time home buyer, can you help?
    Absolutely! We find it best to start with a quick phone call to go over the basics and find out what matters to you so we can tailor a quote to what you want and need. When you're ready, call 863-606-5147 to start working with your agent.

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