I have a personal watercraft - What should I consider?

Consider protection for your:

personal watercraft, trailer, liability coverage in case of bodily injury to others or property damage to anothers personal watercraft or other property, medical payment protection for you and your passengers

Many personal watercraft are inexpensive enough for people to consider self-insuring. However, by doing that many people overlook liability protection. If your personal watercraft is involved in an accident that injures someone else or their property you are responsible for those damages. Depending on the incident those costs could be small or a severe accident could result in damages costing several hundred thousand dollars. There is nothing wrong with self-insuring, as long as you can afford to pay for any damages you cause.

Considering that personal watercraft insurance is relatively inexpensive you may wish to transfer that risk over to your insurance company.