This document discusses personal watercraft insurance (PWC insurance). It defines a personal watercraft as a small vessel less than 13 feet long that is designed to be operated from a sitting, standing, or kneeling position rather than inside. PWC insurance protects against accidents, vandalism, liability, and injuries for the operator and passengers. While not legally required, PWC insurance is recommended because personal watercraft represent an investment and accidents can result in liability. The document outlines what types of losses are covered and not covered by PWC insurance policies.