Having Seadoo insurance can cover you as much or as little as you prefer. Since it is not regulated, you can decide on the coverage you need, whether it be liability, theft, or damages. Due to its size and scale, colliding with a rock in the water can be detrimental to this sort of PWC. However, if your insurance covers damages, it would pay for any repairs or a complete replacement in the event the Seadoo is irreparable.