Wisconsin Boat Insurance

When's the last time you reviewed your boat insurance policy? Let's take a few minutes to make sure you're covered for everything and have the most affordable boat insurance rates.

What is Boat Insurance?

Boat insurance protects a boat, its owner, and passengers in the event of a loss. 

Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

What Does Boat Insurance Cover?

  • Liability Coverage - pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.
  • Collision Coverage - pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.
  • Comprehensive Coverage - covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.
  • Uninsured or Underinsured Boater Coverage - Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.
  • Medical Payments - Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.
  • On-Water Towing and Labor Coverage - This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
  • Fishing Equipment Coverage - Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.
  • Personal Effects Coverage - pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

    Contact us to learn more about the right boat insurance for you.

Do I Need Boat Insurance?

Boat insurance is not required in the state of Wisconsin. However, you still should make sure to insure your boat in the case of any unexpected accidents. In fact, if you are currently financing your vessel, boat insurance may be required by your lender.

Many believe they don't need boat insurance because the boat is technically covered under their homeowners insurance policy. The thing is, a separate boat insurance policy can provide much more specialized protection which can include all of the coverages mentioned above.

In the unfortunate event that you get into an accident, boat insurance can help pay for the damages in a covered event. Without boat insurance, you'll be left to pay for any damages to your boat out of pocket, not to mention damages to another boat or property and any injuries or legal fees.

How Much Does Boat Insurance Cost?

The price of boat insurance can vary state to state. In fact, two people with the same exact boat could have a completely different Wisconsin boat insurance policy based on their boater experience, how often the boat is used, and their individual needs.

How to Get a Boat Insurance Quote

Getting a boat insurance quote can be easy with Townsend Insurance. If you've just purchased a brand new boat, we can find you some great options to make sure your vessel is properly protected. If you already have boat insurance, we can compare your current policy with some of the top insurance companies to find you the best boat insurance coverages at the best possible rates.

Townsend Insurance are your Wisconsin boat insurance experts so contact us today if you'd like to get a boat insurance quote started!
(608) 788-4258​
3629 Mormon Coulee Rd
La Crosse, WI 54601​
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