There’s nothing quite like the open water. Whether you are fishing, skiing, or entertaining friends, your boat gives you access to endless fun throughout much of the year. At Strobel Insurance, many of our Eau Claire area customers are boat owners. We offer the coverage necessary to protect against damages and loss, as well as a boating-related liability due to an accident. Before you set sail this season, be sure to protect yourself and your boat with comprehensive insurance protection that protects against a wide range of loss.
We offer insurance for most personal vessels, including:
- Fishing and bass boats
- Pontoon boats
- Ski and wake boats
- Sailboats and catamarans
- Personal watercraft
- And more
Boating in Wisconsin – Know Your Risks
Anytime you fire up your boat’s engine, you should be prepared for the unexpected. A relaxing day on the water can quickly go bad if you hit a submerged stump or accidentally run your vessel aground. It would be a lot worse if the accident resulted in an injury or damage to someone else’s property. Without boat insurance, you could be on the hook for expensive medical bills and other types of victim compensation. At Strobel Insurance, we help you find coverage that minimizes your financial vulnerability to boating-related losses.
Many boaters assume their homeowners insurance will cover their vessels against things like fire and theft. This often turns out to be a big mistake. Do not find out too late that you were underinsured. When homeowners insurance policies do offer boat protection, it is typically very limited and only available for small boats with limited horsepower. Furthermore, it is unlikely to provide any protection at all while you are using your boat on the water. Why take a risk with your income, assets, and boat investment when you could purchase a Wisconsin boat insurance policy custom-tailored to minimize your financial risks and fit your needs?
Types of Wisconsin Boat Coverage
Boat insurance can be complicated, but we are here to help. Look to us for answers to all of your boat insurance questions, including what types of coverage are available and how much protection you really need. Your policy may include several different types of coverage, including:
Liability protection is one of the anchor components of any boat insurance policy. This coverage can cover your costs when you are responsible for cleaning up oil, gasoline, and other pollutants that may have leaked from your boat into the water. It also protects you against third-party litigation when you are responsible for causing a boat-related accident. It can pay for your financial responsibility when you injure people with your boat or when you damage their property. Also, boater’s liability insurance can help you cover the cost of defending yourself against boating-related litigation, including your legal fees and court costs.
Damages to Your Boat
When you purchased your boat, you probably were not thinking about having to replace it. If your watercraft capsizes, however, you may be in for a major loss. Wisconsin boat insurance policies can include coverage for physical damages to your boat both on the water and while it is stored away. From on-water collisions to fires and theft, protect your investment with inclusive physical damages protection.
Uninsured Watercraft Coverage
If another boater injures you and your passengers, you expect them to pay for the damages. If they are uninsured, recovering compensation could require a lengthy legal process. With uninsured watercraft coverage, you can file a claim against your policy for your losses when an at-fault boater has no insurance.
Medical Payments Protection
If you are involved in a boating accident, there is a good chance you and your passengers will need to seek medical attention. Medical payments coverage helps pay for necessary medical care up to the limits of your coverage regardless of who is responsible for the accident.
Take care of the extra equipment and boating accessories you carry onboard your watercraft. Talk to your agent about adding coverage to your policy for your fishing gear, navigation equipment, skis, and more.
Your boat isn’t traveling anywhere by land without a trailer. If your trailer is damaged, it could cost thousands to replace it. Your boat insurance policy can include trailer coverage to protect it against theft and damage due to covered events.
Towing and Emergencies
Don’t get caught on the water without a way back to land. Make sure your boat insurance includes coverage that pays for towing to shore when you break down, as well as on-the-water assistance when you run out of fuel.
We hope you never need it, but wreckage removal insurance can spare you an expensive bill if you need professional assistance removing your sunken boat.
Request Your Wisconsin Boat Insurance Quote
If you own a boat in the greater Eau Claire area or you are planning to purchase a watercraft soon, we can help you get the coverage you need. Do not wait until you hit the water to protect your vessel; you never know what could happen before then
At Strobel Insurance, we can help you get coverage made for your needs both on and off the water. Contact our office to find out more about Wisconsin boat insurance options and to request your free quote today. We look forward to serving you soon.