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Does auto insurance cover a rental car?

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It’s summer and thoughts turn to vacation. Hotel and flight reservations and possibly a rental car. These days, most reservations are made online and once you have chosen the company you want to rent from, you will choose your pick-up and drop-off location, date, and size of the vehicle. At Johnsen Insurance in Baraboo, WI, we have a team of experienced independent agents who are always ready to help our customers find the perfect insurance. 

Generally speaking, the best answer to "does auto insurance cover a rental car" is yes, if you have the right insurance. Whether your particular auto insurance covers a rental car is something you need to verify with your insurance agent. 

If you have basic auto insurance, you only have liability and while that is as important when you are renting a car as it is when you are just driving your car, it is not enough to protect you. One kind of insurance the rental car companies will offer is excess liability coverage. If you are satisfied with the liability coverage that you have on your personal auto insurance, you can refuse this coverage with confidence. 

If you carry comprehensive and collision coverage on your personal policy and you have a relatively new vehicle, chances are your personal insurance will have a high enough limit to cover a rental vehicle. If you are in doubt, give your independent insurance agent a call to check. 

Another type of insurance the rental company will try to sell you is personal effects coverage. If you have a home, a condo or have renters’ insurance, you already have this insurance and don’t need to purchase it. 

If you don’t care about price and just want to relax and not worry about deductibles, the CDW offered by the rental car company provides that. 

Contact Johnsen Insurance in Baraboo, WI for all your auto insurance questions. 

Commercial Insurance for Startups

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As a startup in Baraboo, WI, you need to make sure that you invest in great insurance that makes sense for your needs. At Johnsen Insurance, we can help you find high-quality startup insurance that will suit your needs and give you the best level of coverage necessary for your firm’s well-being.

The Insurance You’ll Need 

As a startup, you typically need the same kind of insurance that any other business may need. However, some providers may have specialty startup insurance options that may cost you less and which are more suited to your needs. Doing so will help give you policies that make sense for your firm. These often include things like:

  • Liability coverage tailored to your field 
  • Disability insurance for those in your company
  • Workers compensation and unemployment coverage 
  • Property insurance that protects you from serious problems 
  • Hacking and cybersecurity protection for modern internet issues
  • Business interruption policies to keep you solvent in hard times 
  • Critical person coverage for executives or owners in your field 
  • Business owner’s policies that cover a variety of the issues above 

When creating your insurance policy, you can choose what types of options make the most sense for you and tweak them to fit your needs. Then, work directly with your agent and ask them more about these policies and how easy they are to integrate into your financial situation. And don’t overinsure! Too many people make the mistake of buying too much insurance for their startup and excess cash.

Get Covered Today 

As you can see, it is essential to talk to us at Johnsen Insurance right away about your commercial insurance options. Whether you live in Baraboo, WI, or nearby, we can provide you with the policy options that make the most sense for your needs as a new startup in your area. 

How to Insure Your Second Home

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For some in Baraboo, WI, owning a vacation home is a financial goal and a dream come true. However, as with any investment, you put a lot of money and time into making your second home feel like home. Having the proper homeowners insurance to protect your second home can ensure your vacation property is protected against damages caused by fire, wind, and home burglary. In some cases, you may need a separate insurance policy to cover your second home. For more information about insurance for a second home, call the experts at Johnsen Insurance today. 

What Is Vacation Home Insurance? 

For those with a second home, vacation home insurance provides coverage for the home they do not live in full time. Second homes are sometimes viewed as a higher risk because they are not occupied all the time, which puts them at a greater risk of theft, home invasion, and vandalism. Additionally, by not being at the second property all the time, it could take longer to identify water damage, increasing the number of damages. 

What Does Vacation Insurance Cover? 

Vacation insurance policies are similar to, but not identical to, homeowners insurance policies. However, a vacation insurance policy is written more around the perils the property may experience. For example, the policy for the second home may be written around the possibility of fire, smoke, lightning, explosions, and theft occurring. Liability coverage may also be included should anyone get injured while on your property, even if you are not there. 

When owning a second home in Baraboo, WI, you want to ensure you have the proper insurance coverage to protect you and your investment. Call the agents at Johnsen Insurance today to discuss the different insurance options for your second home. 

3 RV Insurance Tips To Know Before You Hit The Open Road

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Like most insurance, RV insurance is intended to help protect you against loss regarding your recreational vehicle. But, did you know it doesn’t stop there?

The dependable agents at Johnsen Insurance serving Baraboo, WI know that Recreational Vehicle RV insurance doesn’t just protect you for a large RV unit. It also protects your small camper or even that fifth-wheel trailer. Some policies even cover a camper on your truck.

Let’s talk about 3 RV insurance tips to know before you hit the open road.

  1. Some states require that you have insurance simply to drive the RV through the state. It’s true that most only require liability insurance similar to what you would get on your automobile, but you need to check the state’s requirements before passing through.
  2. What Is Covered? If you cover your RV with an auto policy, it is only going to consider that it is a car. It will not cover the living space. This is huge since part of that living space includes a kitchen and a bathroom where things could happen that will make you glad you have the coverage.
  3. Know the types of RV insurance – Your agent will first ask you how you plan on using the RV. You may need full coverage or simply a liability policy will do the trick. But, it goes beyond liability and comprehensive coverage for an RV. When it comes to Recreational Vehicles, there is a part-time or a full-time option depending on whether you live in the RV or only use it for an occasional camping trip. You may want to add vacation insurance as well.

Contact Johnsen Insurance serving Baraboo, WI to find out everything you need to know about RV insurance and to make sure you have the coverage you need.

What is covered by your motorcycle insurance policy?

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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

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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?

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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

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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

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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?

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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.