ProStar Insurance

Know the law before you hand over the keys.

In Washington, you have to be at least 14 to drive a jet ski. And if you were born on or after January 1, 1955, you also need a Boater Education Card. This is a one-time class. Once you pass it, the card never expires. If your friend doesn’t have this card, and something goes wrong, it can hurt you, not just them.

Your homeowners policy won’t cover this.

Jet skis almost always need their own policy. Homeowners insurance might cover something small, like a kayak sitting in your garage. But jet skis are usually left out completely.

If it covers anything, it’s not much.

Sometimes a policy will mention a jet ski. But the coverage is small. And it only covers damage to the machine. Not injuries. Not lawsuits.

Liability is the big gap.

This is the part that matters most. Liability coverage is not automatic. You can sometimes add it to a homeowners policy, but this is rare for jet skis. So if a friend gets hurt while riding, most people don’t find out their homeowners policy won’t help until it’s too late.

You need your own watercraft policy.

You can sometimes get this through your homeowners insurance company. Or you can go with a company that only does boats and watercraft. That’s often the better choice, since it’s made for this exact problem.

Where does it fit?

It’s not under your auto policy. It’s not under your homeowners policy. And it’s not automatically under an umbrella policy either, unless the umbrella specifically lists your jet ski as something it covers. A jet ski really does need its own coverage, on its own.

Don’t wait until something happens to find out what’s covered.

Call ProStar today. We’ll look at your policy and make sure your jet ski is actually protected.


(Ai assisted video creation)

Thinking about buying an e-bike?

Before you take it for your first ride, call your insurance agent.

Many people assume their homeowners or renters insurance automatically covers an e-bike, but that’s not always the case. Coverage can vary depending on the bike’s value, how it’s stored, and whether your policy considers it a motorized vehicle.

Before you hit the road:

* Confirm your policy covers e-bike theft and damage.
* Ask whether your liability coverage protects you if you accidentally injure someone while riding.
* Find out if the battery and accessories are covered—they’re often the most expensive parts.
* Invest in a quality lock and secure storage to help prevent theft.

A quick conversation today could save you from an expensive surprise tomorrow.

Thinking about buying an e-bike? ProStar Insurance can help you understand your coverage before your first ride.

Save the date! Check out the details below:

Date: Monday, October 12th
Format: 2‑Man Scramble
Location: Mill Creek Country Club - 15500 Country Club Dr, Mill Creek, WA 98012

Event Schedule

9:30 AM — Registration Opens
11:00 AM — Shotgun Start

On‑Course Activities

Par 3 Contests
Beat the ProStar Advisor #5
KP #7
50/50 KP #18
Putting Contest Qualifier - presented by Fairway Mortgage

Afternoon Events

4:00 PM — Putting Contest Finale (gather around the putting green)
4:30 PM — Dinner, Raffle, and Awards

Why We Play

Last year, The ProStar Invitational paid out over $1,700 in cash games, including the 50/50 KP, 50/50 Putting Contest, and Beat the ProStar Advisor.

Even more importantly, our charitable donation grew from $10,000 to $16,084, not including day‑of cash payouts to golfers.

This tournament is built to be a fun, competitive, community‑driven event that raises money for local non‑profits year after year.

We’re raising the bar again in 2026 — so invite your friends, family, and fellow golfers, you won’t want to miss out!

Register today-the link is in the bio.

Thank you for supporting a great cause. See you on the course!

Thinking about adding a hot tub to your backyard?

Before you start soaking, call your insurance agent.

Many homeowners assume their hot tub is automatically covered, but that’s not always the case. Depending on your policy, it may be classified differently, require certain safety features, or increase your liability risk if someone gets injured.

Before you turn on the jets:
• Confirm how your hot tub is covered under your homeowners policy.
• Ask if a locking cover, fence, or professional installation is required.
• Review your liability limits—and consider an umbrella policy if you regularly host family and friends.

A quick coverage review today can help prevent an expensive surprise tomorrow.

Thinking about installing a hot tub? ProStar Insurance can help you make sure you’re protected before you take the plunge.
____________