Personal Watercraft (PWC) Insurance

High-Performance Protection for Your Time on the Water

Whether you ride a WaveRunner, Jet Ski, or Sea-Doo, personal watercraft are built for speed and excitement. However, that agility comes with unique risks that standard boat policies may not fully address. At Tedmus Insurance Services, we help local riders in the Higley area secure comprehensive PWC insurance designed to protect against accidents, liability, theft, and vandalism. Don’t let a lapse in coverage turn a weekend at the lake into a financial disaster.


Essential Coverage for PWC Owners

Operating a PWC carries significant responsibility, especially in crowded waterways. A robust policy should protect you from a variety of potential losses, including:

  • Liability & Bodily Injury: Coverage if you are found at fault for an accident involving another craft, a dock, or a swimmer.
  • Watersports Liability: Essential protection for injury claims involving guests being towed for waterskiing, wakeboarding, or tubing.
  • Physical Damage: Protection for your craft against impacts, submersion, fire, and theft.
  • Uninsured/Underinsured Watercraft: A critical safety net if you or your passengers are injured by another operator who lacks proper insurance.
  • Emergency Assistance: Coverage for the costs of towing and specialized on-water emergency services.


Expert Guidance for Arizona Riders

Every PWC owner’s needs are different, but many "off-the-shelf" policies carry hidden restrictions that can leave you paying for claims out-of-pocket. At Tedmus Insurance Services in Higley, Arizona, our local agents take a meticulous approach to your coverage. We dive into the fine print so you don't have to, ensuring you understand exactly what is—and isn't—covered before you hit the water.

As an independent agency, we shop the market to find you the most competitive rates without sacrificing the limits you need to protect your family and your assets. By choosing a local agent, you get personalized service and a direct line to a professional who is easy to reach whenever you need assistance.


Ride with confidence. Protect your Jet Ski or WaveRunner with a policy that works as hard as you play.