From cruising and sailing to fishing and skiing, any time on a boat is time well-spent. Of course, boating has its risks – especially when it is in use. Having the right insurance gives you the assurance you need to explore the open water without worrying about your investment or your liability.
Why Boat Insurance?
Owning a watercraft comes with certain risks, both on and off the water. You could injure passengers on another boat in a collision, or you could hit a jetty and sink your vessel in poor visibility. You might even be the victim of a theft or vandalism that robs you of the investment you made in your boat. In most cases, boat damages and loss are not covered by homeowners insurance. Only a personalized boat insurance policy can give you the protection you need to shield yourself against a major loss or liability.
Boat Insurance Coverage
Here at G&L Insurance, we know purchasing a boat can present an exciting new adventure for our customers. Adding boat insurance to your coverage portfolio is as simple as contacting an independent agent in our office and requesting a quote. We can help you find coverage for many different boats and personal watercraft, including:
- Fishing boats
- Sailboats
- Ski boats
- Pontoon boats
- Deck boats
- Jet skis
- Boat trailers
- And more
We explore policy options from multiple Wisconsin carriers to find the coverage you need at a price you can afford. Your watercraft insurance policy may include coverage for:
Liability
You can be held financially responsible for any injuries or property damages you cause as a result of your activity on the water. If you collide with another boat, you could be sued for the cost of medical bills, lost wages, and more. Liability insurance helps take the burden off your shoulders by covering your property damage and bodily injury liability up to the limits in your policy.
Physical Damages
Imagine seeing your beautiful boat – the one you worked so hard to buy – sunken to the bottom of the lake. Think of how it might feel to find out your boat was damaged in a marina fire or during a storm. If something happens to your boat, whether on the water or off, the collision and comprehensive coverage on your boat insurance policy can help cover repairs or replacement.
Medical Payments
When accidents happen, you might need access to emergency care fast. Medical payments coverage helps ensure you and your passengers get the medical attention you need in a timely way, regardless of who was at-fault for the accident.
Uninsured/Underinsured Boater
Some boaters are not as financially responsible as you are. Since boat insurance is not required in all states, it is possible that you could be injured by an uninsured boater or a boater with low liability limits that are inadequate to pay for your loss. Make sure your boat insurance will help pay for your lost wages and medical expenses if you are the victim of such an accident.
Wreckage Removal and Cleanup
If you wreck your boat, it might need to be removed. The cost of wreckage removal and fuel spill cleanup can be thousands of dollars, all of which could otherwise be covered by your boat insurance.
Special Equipment Coverage
What types of special equipment do you carry on board? Fishing gear? Navigational equipment? Skis and tubes? While the standard features on your boat are usually included in your coverage, extensive upgrades and expensive accessories might not be. Talk to one of our team members about adding special equipment coverage if necessary.
Towing and Assistance Coverage
When you need a tow, the last thing you want to worry about is cost. Boat insurance can include coverage for towing and other emergency assistance, such as fuel delivery.
Waukesha Boat Insurance Quotes
Here at G&L Insurance, we help West Bend area boaters find quality boat insurance coverage at affordable prices. We will shop around to find an excellent rate, as well as any discounts you may qualify for. Contact us today to find out more about boat insurance and request your free quotes. We look forward to serving you soon.
