No matter where you live in Wisconsin, chances are you are just minutes from the water. When the waves are calling, don’t let a lack of insurance prevent you from firing up the engine on your boat. Let Billy Brown Insurance help you get a watercraft insurance policy to protect you, your passengers, and your watercraft against the risks you might face out on the water.
Types of Boat Insurance Coverage
A boat insurance policy can include a wide range of coverages. These typically include:
Physical damages coverage helps protect the investment you made in your boat. This coverage helps pay for repairs or reimburses you for the total loss of your vessel if it is damaged due to a covered event. Your policy may separate physical damages into two types of coverage – collision and comprehensive. Collision insurance covers damages to your watercraft if you are in a boating accident. Comprehensive insurance covers non-collision events, such as theft, vandalism, and fire.
Equipment and Belongings
Chances are you carry a lot of unattached equipment and personal belongings with you on your boating excursions. From high-tech fishing and scuba gear to tubes, skis, oars, and anchors, make sure your boat insurance includes coverage for all your equipment and belongings in the event of a loss.
Wreckage Removal and Cleanup
You cannot imagine the thought of your sunken boat, but if it ever happens, you may be financially responsible for removing the wreckage. Boat insurance can include coverage to help you pay for wreckage removal, as well as environmental cleanup if your boat leaks oil or other fluids into the surroundings.
Imagine being stranded out on Pewaukee Lake with no way to get your boat ashore. Whether you need emergency fuel delivery or a tow back to dock, the emergency assistance coverage in your boat insurance policy can help you cover the cost. That gives you the peace of mind you need to know you are protected against mechanical breakdowns and other unexpected events.
If you or a passenger on your boat is injured as a result of owning, maintaining, or using your vessel, medical payments coverage can help pay for medical bills (regardless of who was legally at-fault).
Bodily injury and property damage liability are an important part of any boat insurance policy since they help protect you against financial responsibility when you are at-fault for a boating accident. Be careful to choose an amount that will better protect you against possible lawsuits. Judgments can total tens or even hundreds of thousands of dollars for medical bills, property damages, lost wages, and more. Having the right liability coverage could prevent you from paying out-of-pocket for a victim’s loss.
Boat Insurance Discounts in Delafield
If you own a boat in the Delafield or Waukesha area, or if you plan to purchase a boat soon, we want to help you select a policy that fits your needs and budget. Our goal here at Billy Brown Insurance is to find competitive rates for Wisconsin boat insurance without sacrificing the quality of your coverage. We will shop and compare policies from multiple insurers and search for any discounts that may further reduce your cost of coverage.