Do You Need Insurance for a Jet Ski, Kayak, or Paddleboard?

If you own a jet ski, kayak, or paddleboard, you may wonder whether insurance is necessary for your watercraft. While these vessels offer fun and relaxation on the water, they also come with risks that can lead to unexpected expenses. At Koziura Szafranski Insurance Agency, we help watercraft owners understand their insurance options so they can enjoy their time on the water with greater peace of mind.

What Is Watercraft Insurance?

Watercraft insurance is designed to protect owners of recreational vessels from financial losses due to accidents, theft, or damage. While Connecticut does not legally require insurance for most personal watercraft, such as kayaks or paddleboards, having coverage can be a wise decision—especially for jet skis, which are motorized and can pose greater risks.

What Does Watercraft Insurance Typically Cover?

Policies for jet skis, kayaks, and paddleboards can vary, but common coverage options include the following:

• Liability protection may cover injuries or property damage you may cause to others while using your watercraft.
• Physical damage coverage may help pay for repairs or replacement if your vessel is damaged by an accident, vandalism, or severe weather.
• Theft and loss coverage may provide compensation if your watercraft is stolen or lost.
• Medical payments coverage may assist with medical expenses if you or your passengers are injured in an accident.

Who Should Consider Watercraft Insurance?

If you own a jet ski, insurance is highly recommended due to the higher speeds they can reach and their increased risk of accidents. Kayak and paddleboard owners may also benefit from coverage, especially if you participate in group outings, store your equipment in public areas, or want financial protection against theft or damage.

While insurance may not be required for all watercraft, Connecticut does have specific boating laws regarding registration, safety equipment, and operation. Understanding these regulations and how insurance can complement them can help you stay compliant and protected.

Contact Us

At Koziura Szafranski Insurance Agency in Newington, CT, we work with watercraft owners to find insurance policies tailored to their needs. Whether you’re looking for jet ski insurance, kayak insurance, or coverage for your paddleboard, our team can guide you through your options and help you make an informed decision.

Contact us today to discuss your coverage needs and get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.