A personal watercraft is disclosed having a hull and a sub-deck disposed on the hull. The hull and sub-deck together form a hull and sub-deck (HSD) assembly. An engine is disposed in the HSD assembly. A propulsion system is connected to the hull and operatively connected to the engine. A deck is disposed above the sub-deck. The deck has a pedestal. A straddle-type seat is disposed on the pedestal. A helm assembly is operatively connected to the propulsion system and disposed at least in part forwardly of the straddle-type seat. A deflector is disposed on the HSD assembly and extends outwardly therefrom. The deflector is disposed at least in part forwardly of a forward-most portion of the deck. A personal watercraft having only a hull and a deck is also disclosed.