Coverage Questions on PWC Insurance

[Brysherexx]

What company offers the best coverage ?
Do any companies offer coverage for items like sunk ski or cover items like engine failure. If so what companies might that be
I am particularly interested in the coverage for engine failure and sinking. On a 2005 and 2006 so I would like to get some possible coverage for them. Thanks

[K447]

What part of the world are you riding in?

Insurance generally is mostly/partially about your liability towards other people, should someone or something be damaged by your operation of your PWC.

Loss/damage of your PWC (such as impact with an underwater hazard, perhaps sinking) may be covered.

Mechanical failure such as the engine, jet pump, electrical - such coverage would vary with the policy. Often, especially with older watercraft, such failures are not covered at all.

[DrivingZiggy]

My WaveRunner got a hull repair through insurance. But mechanical failure? I don't remember all of the details but I remember that overheating isn't covered in my policy. Also, although the mileage off the coast is covered, The Bahamas is specifically NOT covered.

[Highline9]

Also, although the mileage off the coast is covered, The Bahamas is specifically NOT covered.

REALLY? I'll have to check my policy, but was hoping for a trip over there this year (from FL/Keys)...Thanks for bringing this up.