How Can I Get Boat/Watercraft Insurance?

Many residents of Baraboo, WI may aspire to own a boat or a watercraft. Once you make this precious purchase, you should also get watercraft insurance to protect the boat, yourself, and any passengers you bring along on your boating excursions. As a new boat owner, you are likely wondering how to get boat insurance. Johnsen Insurance provides you with the following tips in navigating boat/watercraft insurance. 

Getting Boat/Watercraft Insurance

1. Pick a Reputable Insurance Provider

There are numerous boat insurance providers in Baraboo. However, you should select a reputable insurer with a good reputation. At Johnsen Insurance, we suggest that you ask friends and family for references and do comprehensive online research to help you create a shortlist of the best insurance providers.

2. Gather Your Information

Whether you are purchasing watercraft insurance for the first or the tenth time, the insurance providers will expect you to share the following information, basic personal details, craft information, and lien or marina information. The insurers will also ask you about your driving record and craft use.

3. Consider Your Coverage Needs

Take time to determine your coverage needs, including policy limits and deductibles, with the help of an insurance expert. Some popular types of coverage that boat owners go for are bodily injury and property damage liability, “all-risk” overage, named perils coverage, fuel spill coverage, and hurricane haul-out coverage.

4. Get a Quote

Request a quote from the insurance providers you shortlisted either by yourself or through an insurance agent/broker and compare them. If you are doing it yourself, you can get the quote for your watercraft insurance by contacting the insurer through the contact details on their website.

5. Get Insured

After comparing the quotes, pick the insurance provider you are most comfortable with from the shortlist and get insured.

Are You Looking For Boat/Watercraft Insurance in Baraboo, WI?

We at Johnsen Insurance are willing and ready to help you get the best boat/watercraft insurance coverage. Contact us today.

How To Make The Most Of Boat Ownership

Owning your own boat is a great way to spend time outdoors and to make memories with your friends and family. At Johnsen Insurance serving Baraboo, WI and surrounding areas, we want to help you make the most of your boat ownership. Keep reading to learn more. 

Protect Your Investment

You have invested money and maybe also some time in your boat. The only way to protect that investment is by having it properly insured. Even if the area you live in does not require boat insurance in order to operate your boat, it is still the best way to protect your investment. 

If your boat is damaged or lost due to fire, burglary, or natural disaster, a boat insurance policy will pay you to repair or replace your watercraft. 

Protect Yourself 

Owning a boat can be a lot of fun, but it is also a big responsibility. Accidents can happen, and when they happen on the water, they can be serious. If your boat is involved in an accident and causes damage to another vessel, you will be held personally responsible to pay for damages. If anyone is injured on your boat or they are injured because of your boat, you will be held responsible for any medical bills or legal fees that could result. 

A good boat insurance policy will protect you in liability cases like these so that you will not be left financially vulnerable. 

If you would like to learn more about our services, or if you are interested in a boat insurance policy, please contact us at Johnsen Insurance serving Baraboo, WI and surrounding areas. 

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. 

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