Do You Need Insurance for a Jet Ski in Rhode Island?
Is Jet Ski Insurance Required in Rhode Island?
If you own a personal watercraft (PWC) like a Jet Ski or WaveRunner, you might be wondering: Do I need jet ski insurance in Rhode Island? It’s a common and important question. And while the state of Rhode Island doesn’t currently mandate insurance for recreational PWCs, not having coverage could put you at serious financial risk. At The Slocum Agency (aka Slocum Insurance), we help clients in Warwick, Providence, and throughout Central Rhode Island understand their options and protect their investments on and off the water.
Whether you’re storing your Jet Ski at your Warwick home or riding around Narragansett Bay on the weekend, insurance can offer critical peace of mind. One of The Slocum Agency’s top agents can help you determine the right coverage based on your needs and lifestyle.
Why Jet Ski Insurance Still Matters (Even If It’s Not Required)
Many jet ski owners assume that because insurance isn’t required by law, it’s unnecessary. But like auto and homeowners insurance in Rhode Island, jet ski insurance can protect you from unexpected costs, liabilities, and accidents.
Here are some common scenarios where having PWC coverage is beneficial:
You accidentally injure someone while riding
Your Jet Ski is stolen or vandalized
You damage someone else’s property on the water
You hit an underwater object and need repairs
The right policy can help with repair costs, legal expenses, and medical bills—making it an essential form of protection for recreational boaters in Rhode Island.
What Does Jet Ski Insurance Typically Cover?
A good PWC insurance policy should offer coverage similar to boat or motorcycle insurance. At Slocum Insurance, we typically recommend policies that include:
Liability Protection: Covers bodily injury or property damage you cause to others
Collision Coverage: Pays for repairs or replacement if your Jet Ski is damaged in an accident
Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or weather damage
Uninsured Boater Coverage: Covers costs if another rider hits you and doesn’t have insurance
Medical Payments: Helps pay medical expenses for you or your passengers
Our experienced Insurance Counselors will help you choose the coverage options that make the most sense for your use, experience, and location.
How Much Does Jet Ski Insurance Cost in Rhode Island?
The cost of jet ski insurance in Rhode Island varies based on:
Type and value of your PWC
Rider history and experience
Where the Jet Ski is stored
Usage patterns (seasonal or year-round)
Selected coverage limits and deductibles
On average, jet ski insurance in Warwick and the surrounding area may range between $100 and $400 per year. Bundling this policy with your auto or homeowners insurance in Rhode Island can often lower your overall costs.
Is Jet Ski Insurance Ever Required in Rhode Island?
While the State of Rhode Island doesn’t currently require jet ski insurance for recreational riders, there are situations where coverage may be required:
If you finance your Jet Ski: Lenders will almost always require comprehensive and collision coverage until the loan is paid off.
If you rent dock space or storage: Marinas and boatyards in Warwick or Providence may require proof of insurance.
If you participate in races or special events: Event organizers might require liability insurance.
Even when not mandatory, smart coverage protects your personal finances and ensures you can enjoy your PWC worry-free.
Does Homeowners Insurance Cover My Jet Ski?
It depends. Most homeowners insurance policies in Rhode Island only provide limited or no coverage for personal watercraft. If your Jet Ski is stolen from your garage, your policy might offer some reimbursement—but damages or liability that occur on the water are usually excluded.
To avoid surprises, The Slocum Agency recommends a standalone jet ski policy. As a trusted Warwick Insurance Agency, we’ll make sure you understand exactly what your homeowners insurance in Rhode Island does and doesn’t cover.
Why Slocum Insurance is the Top Choice for Jet Ski Coverage in Central Rhode Island
Choosing an independent agency like Slocum Insurance ensures that you have access to:
Multiple carriers for the most competitive rates
Local knowledge of boating conditions in Warwick and Narragansett Bay
Customized protection tailored to your lifestyle and budget
Real guidance from a Warwick Insurance Agent, not a call center
Whether you work with one of our top Insurance Counselors, you can count on knowledgeable, friendly service and reliable advice.
The Bottom Line
Even though jet ski insurance isn’t required in Rhode Island, it’s a smart way to protect yourself, your PWC, and your peace of mind. From theft to accidents to unexpected repairs, the right policy can save you thousands in the long run.
Ready to hit the water with confidence? Contact The Slocum Agency today to speak with an Insurance Agent in Warwick and get a custom quote.
