As much as you love your boat, you know it takes a lot to keep it water-ready. Despite your effort to look after it, accidents can and do happen. Boat insurance is the only true way of protecting your investment year-round.
Some of the most common types of boating accidents include:
- Running a boat aground
- Colliding with another boat or watercraft
- Colliding with a fixed object, such as a dock or stump in the water
- Passengers falling overboard
When these types of unexpected circumstances arise, knowing you are covered can help you breathe a sigh of relief. At Stauffer-Klug Insurance, we can help you find a boat insurance policy that covers each of the situations and more. Boat insurance can include:
This coverage helps pay for repairs or replacement of any property that you damage while operating your boat. It can also pay for the medical expenses of other people you injure in a collision. If you are sued for lost wages or other compensation, liability insurance can help pay for your legal fees throughout the litigation process.
When you run into another boat, liability insurance takes care of the other watercraft but does nothing for your own. By adding collision protection to your policy, you can be assured your own boat will be repaired or replaced if you damage it in an accident. Whether you have a small sailboat, a brand new ski boat, or a large cabin cruiser, collision insurance could save you thousands in repairs.
Few people leave the dock with only themselves onboard. Your boat insurance should cover your personal property, from life jackets and anchors to fishing gear and skis.
Wreck Salvage and Cleanup
Boat accidents can be messy, especially if your watercraft leaks fuel or other fluids into the water. You will be responsible for retrieving your watercraft and paying for fuel spill cleanup.
Uninsured/Underinsured Boater Protection
Unfortunately, many boaters hit the water without adequate insurance protection. Some may have no insurance at all. If you are the victim of a hit-and-run, or if you are hit by an uninsured or underinsured boater, adding this type of coverage to your insurance policy assures that your boat will still be repaired. You can also add medical expense coverage that helps pay the medical bills for you and your own passengers if you are injured in an accident.
Sometimes, boats are damaged or loss even when they are not in use. Whether a tree falls on your boat and trailer or someone steals your personal watercraft during the night, boat insurance can include year-round coverage for non-accident related claims.
Boat Insurance Quotes in Jefferson, Wisconsin
Whether you are in the market for boat insurance for the first time or need better coverage than your existing policy offers, we here at Stauffer-Klug Insurance can help you find insurance that meets your needs. At our office, you provide your information one time, and we do the shopping for you. We will compare rates and coverage from several of the state’s leading insurers until we find the right policy for you. Our number one goal is to deliver value and quality to our customers. If we can’t save you money on boat insurance, we’ll tell you.
Call us today for more information about Wisconsin boat insurance or to request your free quote. We look forward to serving you soon.