Click to Call
Bronson Insurance Services

2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

Get Directions

Bronson Insurance Services Blog

Why Boaters Should Have Boat Insurance

If you are a boater, it’s never a good idea to leave yourself and your boat vulnerable by skipping boat insurance. In Wisconsin, it isn’t required for boat owners to have boat insurance unless they have a commercial fishing boat. However, it’s always a smart choice to have boat insurance to protect yourself.

If you don’t have a boat policy, call us today at Bronson Insurance Services in Oak Creek, WI to get one of your own.

Why Boaters Should Have Boat Insurance

Liability Boat Coverage

Boat collisions happen with frequency, and they can be expensive when you are held liable for the accident. Having an accident on the water can mean that you have to pay for the damages to the other party, including medical bills that can be highly expensive. With the high cost of medical bills, it’s always a good idea to have liability coverage for your boat. Without it, you could face economic hardships as you try to pay for the bills that you owe for the damages. 

Other Boat Coverage

In addition to liability coverage, there are other types of coverage that are helpful for your protection. It’s helpful to get personal article coverage to protect your items that are lost during an accident. You may also want to get comprehensive coverage. This protects you in case of damaging incidents that happen to your boat when it isn’t on the water. There are a number of risks that exist for boats when they’re on land, and this protection can save you from highly expensive repair and replacement costs if they should happen. 

Get Coverage for Your Boat

Even when it isn’t required, it’s important to have boat insurance whenever you own a boat. It’s a good idea to have this protection at all times. Call us at Bronson Insurance Services in Oak Creek, WI.

Do You Need Wisconsin Boat Insurance for Small Vessels?

When you are boating in Wisconsin, you may not be required to have boat insurance unless there is a loan on your boat. Some boat owners also don’t think it’s necessary to purchase boat insurance if their boat is small.

It’s never a bad idea to have boat insurance though. This is a purchase that you have saved and dreamed for. At Bronson Insurance Services, we know that a little boat insurance goes a long way towards peace of mind when Oak Creek, WI residents are taking care of that dream.

All Risk Boat Insurance for Small Vessels

A small vessel for boat insurance is considered to be small when it is 29 feet or less.  The most common coverage for small vessels is called an “All Risk” policy. This means that you have coverage for every kind of loss, but for those that are not included in the policy.

That will be up to your insurance company to determine what risks would be excluded. The most common exclusions include items such as animal problems, denting or scratching, design defects, normal wear and tear, and freezing.

Standard Small Vessel Boat Insurance

The most common kind of small vessel boat insurance is that which includes medical payments in the event of an injury, contents coverage, and uninsured boat motorist liability.

Get a Quote

When you are thinking about boat insurance in Oak Creek, WI, know that you can still get good coverage for small vessel boat insurance. You will never feel bad about getting it unless there is an accident or you need it for your boat. Call Bronson Insurance Services for a quote today.

Servicing States

  • Wisconsin
  • Illinois

Testimonials


Google Reviews
  • Attune
  • Builders Trades
  • ClearCover
  • Cowbell
  • Dairyland
  • Erie Insurance
  • Foremost
  • Founders
  • lemonade
  • Main Street
  • National General
  • Allstate
  • Progressive
  • The General