My RV doesn’t have a motor. Do I need insurance?

RV insurance is like any other insurance, providing liability and loss coverage. However, depending on the type of recreational vehicle you own, the insurance requirements vary. The world of RVs is wide and varied. There’s a lot to choose from. Our Johnsen Insurance agents are committed to helping Baraboo, WI residents understand their insurance options as RV owners.

What is RV insurance?

In short, RV insurance protects your RV regardless of whether it’s being driven regularly or stored most of the time. The key determinant when it comes to insurance rests on whether your RV is motorized or not. If your RV is motorized, you are required by law to carry insurance. In essence, think of your RV as a car on wheels. As a result, it’s subject to the same laws as cars. Liability coverage is a requirement. However, depending on your situation, you may have to carry more than just liability coverage. Conversely, if you own a fifth wheel that doesn’t have a motor, insurance isn’t required unless you’re financing your fifth wheel. In this situation, your lender usually requires you to carry full coverage insurance until your RV is paid in full.

My RV doesn’t have a motor. Do I need insurance?

Probably not. You’re not legally obligated to carry insurance if your RV isn’t motorized. However, as mentioned above, your lender usually requires full coverage insurance if you don’t own a non-motorized RV. Insurance isn’t legally required for RV owners unless your RV is motorized. Like auto insurance, RV owners have various insurance options in addition to what’s required. Our insurance agents can help answer any questions and clear any confusion that you may have regarding RV insurance. 

When does someone in Wisconsin need motorcycle insurance?

When residing in Baraboo, WI, having reliable transportation is crucial. Despite the prolonged cold winters, owning a motorcycle can be a practical choice for the rest of the year. However, like any other vehicle, a bike also requires adequate insurance. Here are situations when motorcycle insurance is essential in Baraboo, WI.

Public Road Usage

If you plan to use your motorcycle on public roads, you must meet state legal standards by procuring the necessary liability coverage. A comprehensive motorcycle insurance plan will provide this essential coverage, protecting you in case of any accidents or damages.

Vehicle Financing

If you’ve financed your motorcycle, your lender usually requires you to have insurance. This safeguards their investment if your bike gets stolen or damaged. An appropriate motorcycle insurance plan covers these potential risks, ensuring you comply with the lender’s terms.

Trust Johnsen Insurance with Your Motorcycle Insurance Needs

When shopping for motorcycle insurance in Baraboo, WI, contact our Johnsen Insurance experts. Our team is dedicated to guiding you through your decision, ensuring you remain appropriately covered no matter where your ride takes you.

What boat insurance covers and what it doesn’t

Understanding the Importance of Boat Insurance in Wisconsin

Boating is incredibly popular in Wisconsin, with the beautiful Lake Michigan and extensive Mississippi River offering ample opportunities for water-based fun. At Johnsen Insurance in Baraboo, WI, we’ve provided personalized insurance services for six decades, helping boating enthusiasts make informed decisions about their specific insurance needs.

Why You Need Boat Insurance in Wisconsin

While Wisconsin does not require boat insurance by law, it’s critical to consider the risks involved in boating. If you’re a boat owner with significant assets, having boat insurance makes sense. Also, if you’ve taken a boat loan or use a marina, you may be required to have boat insurance.

What Does Boat Insurance Cover?

A typical boat insurance policy covers several risks and eventualities:

  • Liability Coverage: This covers damages you cause to others, their property, and medical expenses.
  • Collision and Comprehensive Coverage: This covers damage to your boat due to an accident, theft, vandalism, or uncontrolled events. This may also include coverage for fishing or diving equipment on your boat.
  • Uninsured Boaters’ Coverage: Provides protection if an uninsured boater damages your boat or injures you or your passengers.
  • Breakdown Coverage: Helps with towing and repairs if your boat breaks down. Some policies may also cover engine replacement.

What Boat Insurance Doesn’t Cover

It’s also crucial to be aware that boat insurance typically doesn’t cover wear and tear, which is an expected part of owning a boat.

Why take the risk? Contact our team at Johnsen Insurance in Baraboo, WI today to discuss your boat insurance needs.

What Do You Know About the History of Life Insurance?

Life insurance is an essential part of caring for your loved ones after you’ve passed away. If you live in the Baraboo, WI, area and have questions about life insurance, the team at Johnsen Insurance is ready to help answer them. Many people get life insurance to provide a legacy for their families. Other people get life insurance because they own a business and want to help keep it open and running. 

The History of Life Insurance 

If you want to discover more about life insurance, you may like to learn more about the story of its history. According to Ethos Life, the first uses of life insurance can be traced to a Roman general named Gaius Marcus, who began a burial club for his fellow generals. In Ancient Greece and Rome, during the periods of 600 to 100 BCE, there is evidence of health and life insurance being available to some citizens. Although these policies were first available only to soldiers, the idea soon spread throughout the area. 

One of the most well-known International instance companies is Lloyd’s of London, which opened in a small English coffeehouse in 1688. The Presbyterian church administered the first life insurance companies in the U.S. Many Catholic priests campaigned against life insurance, which they saw as gambling. According to the Insurance Information Institute, the life insurance industry is currently valued at over $1 trillion in the U.S. 

Call Us today for a Life Insurance Quote. 

Life insurance is an excellent way to pass your legacy on to those who outlive you. At Johnsen Insurance Company, we’d like to help you care for your family’s future. Our agency was opened in 1965 by our founder, Wilbur Johnsen. If you live in the Baraboo, WI area, call us today for a quote and get the right life insurance policy to fit your needs.

Keeping Your Auto Insurance Updated to Your Life Needs

At Johnsen Insurance, we can help Baraboo, WI residents keep their auto insurance policies up to date, no matter what changes they experience in life. Here are four times you need to contact us about big life changes to ensure we’re in the loop and ready to provide excellent coverage.

Moving to a New City 

Do you plan to move to a big city or a more rural area soon? Well, where you live can significantly impact your car insurance. Contacting us can help you decrease your coverage costs or increase your protection level to minimize problems with your policy.

Having a Kid 

You need to update your insurance policy when you have a new child or even your first. Doing so will keep your little one safe. Let us know about your child, and we can provide extra coverage to protect your little one from various dangers.

Adding a Teen to Your Policy 

Did your teen driver get their license and plan on driving your vehicle? This could impact your policy significantly, and you need to let us know. If you decide not to add your teen, it will cost you if they get into an accident as an uncovered driver and wreck your vehicle.

Cutting Down on Your Driving 

Your policy might vary depending on how much you drive. For example, if you drive regularly for your job, your policy might require more extensive protection. However, if you rarely drive or mostly work from home, you might pay less, depending on your protection.

We’re Here for You

Please don’t hesitate to contact us at Johnsen Insurance if you’re interested in getting car insurance in Baraboo, WI. Talk to us about any of your life’s changes, and we’ll find you protection that suits your needs and minimizes complications in your life.

Commercial Insurance for Retail Businesses: What You Have to Know

At Johnsen Insurance, we can help Baraboo, WI retail businesses find the insurance they need to protect their facility. Our team is standing by to help you understand your options to ensure protection. Please get in touch with us to learn more about the different options available to you.

Types You Need

Commercial insurance provides a broad array of protection types and is great for various needs. If you’re a retail store owner or manager, it’s important to make sure that your policy has the following protection for your needs:

  • Commercial property (covers your facility against fire, floods, and other natural disasters)
  • Business income (protects you if your facility closes for any reason)
  • Liability (both normal and cyber liability may be necessary)
  • Equipment breakdown (keeps your facility safe against breakdowns)

Other Options to Consider 

The basic policies mentioned above should provide you with the necessary coverage. Note that there are other types of extra coverage you might want to consider if you’re concerned about your facility. Just a few of the most common include:

  • Auto insurance (rare for retail, but sometimes needed for delivery vehicles)
  • Employee dishonesty (smart for retail because it covers theft)
  • Workers’ compensation (critical for most retail stores) 
  • Utility services (important if a loss of electricity shuts you down)
  • Umbrella policies (not always necessary for retail stores but often useful)

Get the Policy You Need 

Our team at Johnsen Insurance can help you find commercial insurance for your retail business and ensure that things go smoothly. If you live in or around Baraboo, WI, and want to work with a local insurance team you can trust, please get in touch with us today to learn more about your options and keep your retail facility safe.

Four things you might not realize about home insurance

If you own a home, you need to protect the investment that you’ve made in your property by purchasing home insurance. At Johnsen Insurance, we offer home insurance coverage in Baraboo, WI.

Getting the information you need about home insurance is essential.

Here are four things you might not realize about home insurance:

A standard home insurance policy doesn’t cover earthquake damage.

If you live in an area that is susceptible to earthquakes, you need to adjust your home insurance coverage accordingly. Unfortunately, earthquake coverage is not included in a standard home insurance policy. You’ll have to invest in earthquake coverage separately if you don’t want to have to pay out of pocket for earthquake damages. 

You can’t expect standard home insurance to cover a home-based business.

Do you run a business from your home? If so, you may have some unique insurance needs. Don’t assume that any home insurance requirements will cover you from at-home business operations. 

Home insurance might not cover the full value of belongings in your home.

If you have particularly valuable electronics, jewelry, or other possessions in your home, you need to check on the personal property coverage on your home insurance policy. You may need to increase your policy maximums if possessions in your home are especially valuable. 

You may need to meet home maintenance requirements to ensure that your home insurance remains in effect.

Some home insurance policies specify home maintenance requirements. If you don’t keep up with such requirements, your home insurance coverage might no longer be in effect. 

Reach Out To Us

Call us at Johnsen Insurance to get a quote on a home insurance policy for your property in Baraboo, WI. 

Exploring the Great Outdoors: RV Adventures and Insurance

At Johnsen Insurance in Baraboo, WI, we know that you cannot wait to hop into your RV for a cross-country adventure. Whether you are looking to take a lengthy round trip or simply see all of the sights that Wisconsin has to offer, we are here to help you choose the policy that makes the most sense for your lifestyle.

The following tips and pointers are sure to help!

Do Not Rush Into a Decision

Our team of experienced RV insurance agents is here to offer all of the time that you need. During the RV buying process, there is a tendency to jump into a policy decision because the seller is not going to let you drive off the lot without one. However, you may end up losing out over the long haul when you do not have the coverage you need. That’s why taking your time is imperative.

Discuss Vehicle Usage

Are you going to be living out of the vehicle and using it full-time? Will you only be using it for vacations? Is the RV strictly for personal usage, or will it be used by friends and loved ones? These are crucial distinctions that will have a profound effect on the policy that you choose.

Considering Related Insurance Policies

In many instances, the right RV insurance policy will need to be chosen in conjunction with related insurance policies. With the help of our insurance agents, it is easier to identify your potential needs and make a more informed decision on the policies that are most closely related to the coverage that you require.

Schedule A Consultation Today

When it is time to explore the great outdoors in your RV, you need an insurance policy that will provide you with the necessary peace of mind. The good folks at Johnsen Insurance in Baraboo, WI are here to help. Give us a call or stop by when you’re ready to learn more about the RV insurance policy that works best for you.

The Sirens are Screaming and the Fires are Howling

Some people just never see the sudden curve until it’s way too late. The state of Wisconsin ranks sixth in the United States for most motorcycle accidents, with 14.42% of the 825 fatal crashes involving motorcycles. This makes it vital for a cyclist in the Badger State to have motorcycle liability insurance. Keep in mind that auto insurance does not cover your motorcycle and Wisconsin requires that motorcyclists carry uninsured motorist coverage.

Motorcycle Insurance Coverage Options

Liability Insurance

If you cause damage to another person or property with your motorcycle, liability insurance will cover it. Your rates may go up, but at least you don’t have to pay out of pocket for injuring someone. 

Collision Insurance 

Now suppose the accident was the fault of something outside your control, such as bad weather. This will pay for repairs to your motorcycle that might be needed. 

Comprehensive Insurance 

If your motorcycle is stolen, vandalized, or damaged by anything other than being on the road, this will compensate you for expenses to repair or replace your motorcycle. 

Personal Injury Protection 

You may be torn and twisted, but just enough to land in the hospital. Personal Injury Protection will cover most of your hospital bills, medical expenses, and lost wages. 

Uninsured Motorist Coverage 

In the unfortunate event that you get into an accident with a hoodlum with no insurance, this insurance will take care of you. Sure, you could try and sue the miscreant, but you can’t get blood out of a stone. 

Looking for Insurance in Baraboo, WI? Johnsen Insurance Can Help!

We at Johnsen Insurance hope you’re never in an accident, but we’ll be there for you if you are. We serve the greater Baraboo, WI community. Please drive safely and responsibly. 

Make Sure You’re Summer-Ready, With Quality Boat Insurance

There’s nothing better than getting your boat out on the water on a hot summer day. But you also want to be sure you’re protecting that boat and giving yourself plenty of peace of mind, as well. If you’re in the Baraboo, WI area and looking for boat insurance options, reach out to us at Johnsen Insurance.

We can help you get the right policy, so you can focus on having fun!

A boat policy should do more than just give you a coverage amount. It should also help you feel confident that you have the right type and level of protection you really need. After all, you probably take your friends and family out on your boat, as well. You don’t want to put them at risk, and the right insurance is a great way to help keep them safer during all your adventures.

By working with a trusted agent, you can get the best boat insurance for your needs from an insurer who will give you value and great customer support. You can also look at multiple policies in one place that way, so you don’t have to make a lot of phone calls or visits to different insurers in your area. Save yourself time and frustration by working with one company to get several quotes and all the information you need.

When you’re ready to get a boat insurance policy you can feel good about, reach out to us at Johnsen Insurance today. If you’re in the Baraboo, WI area, we’re here to help you get ready for summer and protect your boat all year round. Whether you’re playing on the water or storing the boat during cooler weather, the peace of mind that comes with the right policy is very important.