Staff Answer
Jun 26, 2026 - 07:39 AM
No, you usually do not need to bring your own insurance to rent a jet ski. Most rental companies include the required liability coverage as part of the rental, so you can show up with your photo ID and any required boating certification without having to buy a separate insurance policy beforehand. Some companies will also offer an optional damage protection plan when you check in. Expect to pay anywhere from $25-50 per jet ski for up to $500-$1,000 in damage. You'll also need to put down a security deposit, but in most case the security deposit is waived if you pay for damage protection. In some states like Florida, you may get offered an optional supplementary renters insurance policy that covers more than just damage, but in the event you have a injury to yourselve or others. These policies can range from $100-200, but they are not required to rent. If it is your first time on a jet ski, I usually tell people it is worth at least considering for the damage protection if anything else. One thing I would not do is assume your auto insurance or homeowners insurance will cover a rental jet ski because that is often not the case. If you have questions, the rental company can explain your options when you arrive.
