I have an older machine (a '99 Sea Doo). I went with $250,000 in liability insurance only. The value of the machine isn't worth the extra $$ for coverage. Went through J. Clifton Avery in Wolfeboro. Very nice people. I didn't get any hassles from them even though I keep the jet ski garaged in MA for the winter. I did at the other lakes region agency I use for my boat insurance (leaving them when this current policy expires). Best part was it is only $100 for the year.
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