What is covered by your motorcycle insurance policy?

Owning a motorcycle in Baraboo, WI is a pleasure. There are so many sites to visit riding your new bike, but you need to carry insurance to comply with the law and protect yourself against unexpected misfortune if you are using a public road. You probably purchased a policy at the same time you bought your motorbike, but do you know what it covers? Johnsen Insurance has drawn up this brief article to explain what is covered in a motorcycle insurance policy.

1. Liability coverage

Liability coverage is to protect you against claims made by other parties involved in an accident. The coverage extends to you and your immediate family if they have an accident while using your bike with permission.

2. Medical Payment coverage

When you fall off your bike, you are likely to get injured. Luckily, your motorcycle insurance policy makes provision for claims against medical bills or rehabilitation costs resulting from the accident. This way, you will be able to afford the best medical care and recover in no time.

3. Collision coverage and other than collision coverage.

The policy reimburses for all the dents and scrapes your bike sustained during an accident. Whether you have collided with another car, a wall, or just lost control on the road and fell, causing damage to your machine. All repairs are covered. Other-than-collision coverage pays for damages caused by falling objects, fire, hail, animal damage, or if your bike gets stolen.

So, as you see, the motorcycle insurance policy can help you recover after an accident quickly and painlessly. It is always there if you need it.  Come in and chat with our experts at Johnsen Insurance, who service the area of Baraboo, WI, to discuss the best way to protect your motorcycle and your family.

4 Benefits of Boat Insurance

Whether you are a startup or a seasoned boater in Baraboo, WI, you must familiarize yourself with the benefits of boat insurance. Whereas boat accidents aren’t as common as auto accidents, it’s essential to purchase boat insurance to protect you, your boat, and passengers when a boating accident occurs. If you own a boat or you are considering buying one, below is a rundown of the benefits you will accrue when you secure your boat with insurance from Johnsen Insurance.

Protection of your boat

Given how expensive your boat is, it’s pivotal to secure it with insurance in case of an accident. The good thing about boat insurance is that it protects your boat both inside and out of the water. Collision coverage covers your boat from physical damage when it collides with another boat or stationary project. On the other hand, comprehensive coverage protects your boat against non-collision perils, including fire, theft, vandalism, falling objects, and some natural calamities.

Liability protection

Considering that boating accidents can occur, you need liability coverage for accidents that you are deemed liable for. Boating accidents can be costly. They can result in property damage, bodily injuries, and even legal suits. To that end, you need liability coverage to pay for accident-related expenses that can cripple you financially. 

Medical benefits coverage

Since boating accidents can result in injuries, you need boat insurance to cover medical costs for you and your passengers. Without boat insurance or health insurance, you will have to incur out-of-pocket medical bills when you sustain watercraft-related injuries.

Emergency assistance 

Can you imagine your boat breaking down miles away from the shore with no help in sight? While you can call professional hiring services, it can be expensive. Fortunately, with an emergency assistance add-on on your boat insurance, you get services like towing, gas delivery, and other services to get you out of the water safe. 

Boat insurance in Baraboo, WI

Are you ready to get started with boat insurance? Please contact Johnsen Insurance for an affordable and personalized boat insurance quote. 

Do I need life insurance after I retire?

If you haven’t thought about life insurance, what are you waiting for? If you have someone who counts on you, life insurance isn’t optional. It is a necessity. Many factors go into the amount and type of life insurance that is right for you. Having an insurance agent that you can go to with your question makes the process so much easier.

Life insurance is something that has a place at every time of your life. As retirement starts to approach, you may be looking at ways to reduce your expenses, especially if you live on a decreased income. Deciding whether you should keep life insurance or if you need to purchase life insurance after you retire may be on your mind. Life insurance after your retirement is very much like life insurance at any other time in your life. To determine if you need it or not, you need to ask yourself a few questions. 

Who depends on you to support them?  If you have a dependent spouse or child who will need your retirement income to maintain their lifestyle, this is something to consider. Do you still have a mortgage or any serious debt?  You don’t want to leave your family to take care of these. How much savings do you have?  Is there enough to cover your final expenses? 

If you have planned well for your retirement, you may not need life insurance after you retire. You may no longer need the protection it provides. Talking to your independent insurance agent before you actually retire is probably a good idea. 

When you are ready to discuss your life insurance needs, contact Johnsen Insurance in Baraboo, WI. Johnsen Insurance in Baraboo, WI was founded in 1965, and our goal is to build a lasting relationship with all of our customers.

A Guide To Help Wisconsin Residents Find Auto Insurance Coverage

For over 40 years, Johnsen Insurance has served the Baraboo, WI community. Our success was founded on establishing long-lasting relationships with our clients. We take pride in our status as an independent insurance agency. We can help you find the right policy for your individual needs.

Auto Insurance Guide

Auto Insurance covers your vehicle as you travel around Baraboo, WI, and beyond. Collision coverage protects your vehicle if you are involved in an accident and damages occur. Comprehensive coverage protects your vehicle if it is vandalized, stolen, or damaged due to a contract with an object. Comprehensive coverage also protects your vehicle if it is damaged due to a fire or severe weather. Keep in mind that you’ll have to adjust your policy if you plan to make any special changes to your vehicle. That is the only way to ensure that you are fully covered if something happens to your new accessories.

There are different variables to navigate on the road every day. Liability coverage can protect you if an accident happens. Maybe you take your eye off the road for a split second, and you collide with another vehicle or object. Liability coverage will protect you if there is a potential liability dispute. The coverage also protects you if your passenger gets injured. Consider adding uninsured coverage to your policy. This covers your vehicle if it is damaged due to a collision with someone who does not have coverage.

Emergency Coverage

Auto insurance allows you to have a plan in place during emergencies. Perhaps you are traveling somewhere, and your engine starts having trouble. You don’t have to worry about being stranded for an extended period of time. Roadside assistance coverage ensures that you will receive urgent care. Emergency assistance also includes towing services.

Johnsen Insurance Will Help You Find the Coverage You Need

Visit our website to learn more information about auto insurance.  

Why You Should Prioritize Getting Commercial Insurance In 2021

Running your business without commercial insurance exposes it to risks that can lead to enormous losses. Johnsen Insurance helps you find a plan that will keep your business running smoothly beyond future uncertainties. If you are a Baraboo, WI resident, our insurance experts are ready to help you choose a plan that suits your needs.

Here are some reasons why you need to prioritize commercial insurance in 2021 and beyond.

1. The Future Is Uncertain

When most people pen down their goals, they depend on luck. Does luck cater to all the challenges and interruptions that may come later?

No, it doesn’t. Simply put, business owners are not sure they will accomplish their objectives even after putting in all the hard work and commitment. When setting your business goals, you need to have future uncertainties in view.

When you think about the various interferences you’ve had to deal with before getting your business to its current level, then you know how critical it is to plan for the indefinite future. Don’t let uncertainties kill your 2021 business dreams; let Johnsen Insurance in Baraboo, WI provide commercial insurance to cover you.

2. Peace of Mind

No matter what happens within your business, your peace of mind is vital. When you are at peace, you can focus and achieve more. It helps you to be more effective in running your business. While every business runs on risks, you don’t want to expose your investment out there to ruthless perils like theft and calamities.

You can safeguard your business from such hazards by getting commercial insurance that meets your needs. It will lift the burden of constant supervision and a series of meetings from your shoulders. Thus, you can attend to the core matters of your business at ease.

3. Natural Disasters

Cases of natural disasters keep rising every day in both the safest and pre-exposed regions. While you want to protect your business from such occurrences, sometimes it’s not within your power. That’s why Johnsen Insurance helps business owners in Baraboo, WI find the right commercial insurance for their investment. If a storm hits your building and suspends running your business, the coverage can come in handy.

With determination and diligence, you can accomplish your business goals. But who will cater to the uncertainties and natural calamities that may hinder your progress? Contact Johnsen Insurance in Baraboo, WI at 608-356-5515 to learn more about the commercial insurance plans available and how they can help your business.

What are the benefits of having home insurance in Wisconsin?

In the Baraboo, WI area, there is no better long-term investment than to purchase a home. Those that buy real estate here will enjoy a lot of long-term benefits along the way. To ensure that your home and investment are protected, you should get a home insurance plan for your property. 

Insurance Will Protect Valued Asset

A key reason you should get home insurance for your Wisconsin property is to protect your valuable asset. A property in Wisconsin will take a major investment that you will want to protect as well as you can. If you invest in a home insurance plan, it will give you the coverage needed to repair or replace the property if there is a lot of damage.

Insurance Offers Protection Against Liability Risk

You will also want to get a home insurance plan because it can protect against liability risk. Anyone that is going to own property will have some personal liability risk that they take on. If there is ever an accident that you are responsible for, the damages could be significant. Fortunately, this risk can be mitigated if you do get home insurance that includes liability protection.

There are many reasons why home insurance is a good investment for any property owner in the Baraboo, WI area. Since picking a policy is such a big decision, it would be a good idea for you to contact the team with Johnsen Insurance to discuss your insurance needs. The team with Johnsen Insurance can offer you the support that is needed to assess your risks. They can then help you build a policy that will offer the right coverage to protect you and your home. 

What are the benefits of getting RV insurance?

In the Baraboo, WI area, owning an RV can be a great investment. When you are an RV owner, it will give you a comfortable place to sleep and a safe transportation mode. When you are in the market for a new RV, it is also vital that you spend time thinking about your insurance needs. Several benefits come when you get proper insurance for your RV. 

Ensures Compliance

A primary reason people should get RV insurance is to ensure they remain in proper compliance. Anyone that owns an RV and drives it on a public road will need to meet the state minimum requirements for driving liability coverage. This type of coverage will be included in your RV insurance policy. Additionally, if you have a loan that was used by the RV, you will need a full RV insurance policy with comprehensive protection.

Protects Valuable Asset

Another reason that people should get an RV insurance policy is that it will cover their assets. Anyone that purchases an RV will have to make a large investment, which needs to be covered and protected as well as possible. When you get a full RV insurance policy, it will give you coverage if the RV is damaged or stolen.

Anyone looking for a new RV insurance policy in the Baraboo WI area should make sure that they get the proper guidance and support. One company that can answer all of your questions about RV insurance is Johnsen Insurance. The team at Johnsen Insurance can answer your questions and address any concerns that you have. They can then help you build a policy that will provide you with the right type and level of coverage. 

Why should I get a motorcycle insurance policy?

In the Baraboo, WI area, having a mode of transportation is very important. One efficient and fun type of transportation to consider is a motorcycle. While a motorcycle can be fun to drive, it is also an asset and responsibility that you need to care for by getting insurance properly. There are several reasons that you should get this insurance coverage. 

Insurance is a Requirement

One reason to get a motorcycle insurance policy is that it is a requirement for almost everyone. If you intend to drive your motorcycle on a public road, you will be obligated to have liability insurance at all times. Additionally, if you have taken out a loan to buy your motorcycle, the lender will require that you carry a full motorcycle insurance policy that provides comprehensive and collision protection as it will protect their collateral.

Insurance Protects Asset

Even if no one required you to carry a motorcycle insurance policy, getting one is still a good idea. When you do get a motorcycle, you will have made a big investment that you should try to protect as well as you can. One great way to do this is by getting a full motorcycle insurance policy. With this coverage, you will be protected if your motorcycle is damaged in an accident, stolen, or you incur a variety of other types of loss.

As you are looking for a new motorcycle insurance policy in the Baraboo, WI area, it is important to get guidance and support from someone you can trust. Those that want a policy here should call the team at Johnsen Insurance. When you work with Johnsen Insurance, the team will work hard to ensure your asset is properly protected and covered at all times. 

Three things your boat insurance policy should cover

If you take out a boat insurance policy in Baraboo, WI, you must understand what your policy covers. At Johnsen Insurance, we offer boat insurance policies to boat owners to protect them against liabilities and to protect the investment they make in their watercraft.

The following are three things your boat insurance policy should cover. 

Protection against physical damage to your vessel

Your boat insurance policy should protect the value of your vessel. Boat owners need to invest a good sum of money in purchasing a boat. For this reason, carrying boat insurance is important to ensure that boat repairs will be covered in the event of an accident.

Protection against liability lawsuits

Operating a boat poses some liability risks for boat owners. You could face a lawsuit if your boat causes damages to the property of another party. Lawsuits can be costly for boat owners when it comes to legal costs and the amount of any possible settlement. 

A boat insurance policy should include liability coverage to protect the policyholder against lawsuit damages. This gives boat owners financial security.

Protection against medical bills resulting from accidents

Another possible expense, a boat insurance policy should cover medical bills. If a boating accident results in physical injury, the resulting medical bills can be quite expensive.

One of the most important types of coverage on any boat insurance policy is bodily injury coverage. You should make sure your policy includes a good amount of coverage for medical payments to protect yourself and others out on the water. 

Ready to compare boat insurance policy options in Baraboo, WI? Let us know. We’re here to answer all your questions. Call us or visit our website at Johnsen Insurance

How much life insurance is enough

Some people might say that there is no such thing as too much life insurance. While the beneficiaries might think that was the right answer, those that have to pay the premiums on the life insurance may have a different viewpoint. Life insurance should be balanced. It must provide for those who are left behind being affordable. Life insurance is different for everyone, and finding the perfect balance takes a lot of time and effort. With an insurance agent like those at Johnsen Insurance in Baraboo, WI, it is much less stressful. 

Trying to figure out how much life insurance is enough requires a lot of thought. When you are young, you only need enough life insurance to pay for your final expenses and for any debt that you may have. Unless you have family members who count on your income to survive, it is pretty simple. It gets a little more complicated when you are responsible for someone, whether it is a spouse, a partner, or a child. You need to figure out how many years you need to supply support and how much that support is per year. That is the figure you need to shoot for. 

Suppose you want to provide a mortgage-free home or a college education, that requires additional insurance. Those in the know suggest between 7 and 10 years’ worth of salary. You will need to weigh this figure with the premiums for the coverage today to see if you can maintain this level of life insurance. 

Don’t stress about what you don’t know about life insurance. Give the office of Johnsen Insurance in Baraboo, WI a call or stop in to talk to one of our experienced insurance professionals about how much life insurance is enough.