{"id":96,"date":"2024-02-28T04:00:00","date_gmt":"2024-02-28T10:00:00","guid":{"rendered":"https:\/\/www.johnseninsurance.com\/blog\/?p=96"},"modified":"2024-02-16T16:20:51","modified_gmt":"2024-02-16T22:20:51","slug":"what-boat-insurance-covers-and-what-it-doesn-t","status":"publish","type":"post","link":"https:\/\/www.johnseninsurance.com\/blog\/what-boat-insurance-covers-and-what-it-doesn-t\/","title":{"rendered":"What boat insurance covers and what it doesn&#8217;t"},"content":{"rendered":"<h2><strong>Understanding the Importance of Boat Insurance in Wisconsin<\/strong><\/h2>\n<p>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&#8217;ve provided personalized insurance services for six decades, helping boating enthusiasts make informed decisions about their specific insurance needs.<\/p>\n<h2><strong>Why You Need Boat Insurance in Wisconsin<\/strong><\/h2>\n<p>While Wisconsin does not require boat insurance by law, it&#8217;s critical to consider the risks involved in boating. If you&#8217;re a boat owner with significant assets, having boat insurance makes sense. Also, if you&#8217;ve taken a boat loan or use a marina, you may be required to have boat insurance.<\/p>\n<h2><strong>What Does Boat Insurance Cover?<\/strong><\/h2>\n<p>A typical boat insurance policy covers several risks and eventualities:<\/p>\n<ul>\n<li><strong>Liability Coverage<\/strong>: This covers damages you cause to others, their property, and medical expenses.<\/li>\n<li><strong>Collision and Comprehensive Coverage<\/strong>: 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.<\/li>\n<li><strong>Uninsured Boaters&#8217; Coverage<\/strong>: Provides protection if an uninsured boater damages your boat or injures you or your passengers.<\/li>\n<li><strong>Breakdown Coverage<\/strong>: Helps with towing and repairs if your boat breaks down. Some policies may also cover engine replacement.<\/li>\n<\/ul>\n<h2><strong>What Boat Insurance Doesn&#8217;t Cover<\/strong><\/h2>\n<p>It&#8217;s also crucial to be aware that boat insurance typically doesn&#8217;t cover wear and tear, which is an expected part of owning a boat.<\/p>\n<p>Why take the risk? Contact our team at Johnsen Insurance in Baraboo, WI today to discuss your boat insurance needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8217;ve provided personalized insurance services for six decades, helping boating enthusiasts make informed decisions about their specific insurance needs. Why [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[11,10],"class_list":["post-96","post","type-post","status-publish","format-standard","hentry","category-boat-watercraft-insurance","tag-baraboo-wi","tag-johnsen-insurance"],"_links":{"self":[{"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/96","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=96"}],"version-history":[{"count":1,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/96\/revisions"}],"predecessor-version":[{"id":97,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/96\/revisions\/97"}],"wp:attachment":[{"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=96"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=96"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.johnseninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=96"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}