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They qualify a person for the Certificate of Personal Watercraft Operation.Personal Watercraft (jet ski, sea-doo, wave runner) Classes - Personal Watercraft Classes are 2 1/2 hours long.As the boat ages and the value depreciates, and they don’t have a loan on the boat, you’ll see them switch to cash value,” Cyr says.

Like most insurers, Travelers offers a steep discount (25 percent) with market value policies.

“Owners of newer boats typically go with agreed value.

Some policies offer an optional endorsement that helps pay to move your boat out of harm’s way when a named storm approaches.

Travelers pays 50 percent of the cost to move or haul your boat up to $1,000 per occurrence and $2,000 per policy term.

“With market value, the boat depreciates; so if the boat is destroyed, you’re going to get enough money to replace the boat’s (current) value.

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