Watercraft Insurance is for your personal watercraft – be it a jet ski, small ski boat, fishing boat, or a 26-foot cruiser. You’ll need to insure your watercraft in case you're in an accident or your watercraft is stolen. The coverage protects damage you cause to other boats, and to the people injured in them. It can also protect your boat and passengers from people who do not carry adequate insurance of their own. Fill Out A Watercraft Insurance Application