You know the feeling – wind blowing through your hair and the sound of waves breaking on either side of your boat on a mild summer afternoon. But what happens when life sucks the wind out of your sails? Whether you hit a stump on the water or someone steals your boat during the off-season, watercraft insurance is designed to keep you afloat when the financial tide is rising.
Owning a watercraft comes with a certain degree of risk – both in and out of the water. Each time you crank up the engine, you take a chance. Many people assume their boats are covered by a homeowners or auto policy. The truth is, these types of insurance typically offer only very limited coverage for watercraft – an only certain types of small boats damaged or loss due to very limited circumstances.
What would happen if your teenage son crashed your Jet Ski into an embankment? Could you afford the repair costs? What if your pontoon boat rounds a corner and is hit by a speedboat with an uninsured driver? Would you have the money to cover medical bills and replace your damaged vessel? With 75 million boaters in the United States, countless Americans face scenarios like these every year. Those with the right watercraft insurance enjoy peace of mind knowing their claims are covered.
Boat Insurance in Green Bay
Like other types of insurance, watercraft insurance is meant to protect you and your assets against liability claims and personal losses. We offer policies with protection for:
Property damage liability
Pays to repair or replace another person’s property you cause damage to, such as another boat or a dock.
Bodily injury liability
Pays for the medical bills, lost wages, and pain and suffering you cause to another person
Pays to replace or repair your own watercraft following a collision for which you were at-fault.
Pays for non-collision related losses and damages, such as those sustained due to weather, vandalism, and theft.
Additional coverage options may also be available depending on your needs. For example, you might purchase insurance to pay for the recovery of your boat’s wreckage from the bottom of a lake, or you might request coverage for personal property losses and bodily injuries that occur when you are hit by an uninsured or underinsured boater.
We offer insurance for a wide range of watercraft, including:
- Motorized single-person watercraft
- Fishing boats
- Pontoon boats
- Ski boats
- Large sailboats
- And more
We work for the everyday boater who has important coverage needs and a budget to work with. Instead of representing a single insurance company, we compare rates from multiple providers, eliminating the guesswork for our customers. When Wisconsin boat insurers compete for your business, you win, plain and simple. We can even help you lower your watercraft insurance rates when you qualify for certain discounts. For example, taking a boating safety class or investing in certain safety features can lower your premiums by five percent or more with certain Wisconsin boat insurance carriers.
Whether you are a weekend water warrior, an avid fisher, or only take your ski boat out a couple of times a year, we can help you find the coverage you need. Contact our office today to discuss your watercraft insurance options. We look forward to serving you soon.