If you are a Wisconsin boat owner, our agents at Bronson Insurance Services serving the Oak Creek, WI area want you to know that while boat insurance is not required under Wisconsin law, some marinas may require it for you to be able to dock your boat. Also, if you owe money for the purchase of your boat, your lender may require you to have a boat insurance policy in place.
What Does Boat Insurance Cover?
When you are out on the lake, ocean, sea, river, or pond with your beloved boat, you never know when an accident may happen. For instance, you could crash into another boat or even damage your boat by hitting a dock or other object. If this type of event happens, you will want to ensure that you have the proper amount of boat insurance to cover the damages and any injuries that your passengers or others sustain.
Collision insurance is imperative to have on your boat since it will help you cover the costs of damages that can happen if you collide with another boat or object.
This type of insurance is very important since it will protect your boat, even when you are not using it. For example, if there is a fire and it damages or destroys your boat, comprehensive boat insurance coverage will help you pay to get your boat repaired, or it will help you replace it. The same goes for your boat if it is damaged by a natural disaster or vandalism. This type of boat insurance can also help you out if your boat is stolen.
Consult With Us
Since you never know when a disaster will occur, it is a good idea to have a boat insurance policy in place. Contact our agents at Bronson Insurance Services serving the Oak Creek, WI area to get your boat insurance policy started and enjoy the peace of mind that comes with it.
Bronson Insurance Services is here to help you to get boat insurance. If you’re a boat owner in Oak Creek, WI, there are a few things you’ll need to do to get the boat insurance coverage that you need.
The following are three things to do when you need boat insurance:
Figure out what your coverage needs are.
You should consider whether you’re required to have coverage by your boat loan lender or by your marina. If so, you should know how much coverage you are required to have and which types of coverage your policy should include.
Go online and find boat insurance providers.
The Internet is a great resource when you are shopping for any type of insurance policy. Fill out the form on our website to compare and explore boat insurance provider options.
Get policy quotes and compare them.
Once you’ve found some good insurance providers offering boat coverage in your area, you should get quotes from them. Getting quotes from different providers helps give you a good idea of what a competitively priced policy looks like in your situation.
Compare not only the costs of quotes but also the types and quality of the coverage they offer. You want to choose the boat insurance policy that offers the most value.
Reach Out To Us
You can rely on us at Bronson Insurance Services to assist you when you’re on the market for boat insurance. Consumers in Oak Creek, WI can get in touch with us to get a quote on a boat insurance policy.
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.
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.