Personal insurance most likely will not extend to a boat, jetski, atv, motorcycle, etc. that you rent. You should contact your agent when renting any of these items.
In most cases, the best approach is to purchase insurance through the rental company - but you should read the fine print regarding who is covered, use of the craft and the deductible.
As always, we are here to help. If you have a question, please don't hesitate to contact us!