Wisconsin Boat Insurance

Get a complete analysis of Wisconsin boat insurance costs, coverages & companies.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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Find the Best Boat Insurance Rates & Companies in Wisconsin 

Wisconsin is a fantastic state for those who enjoy recreational boating. With more than 15,000 lakes within its borders, residents don’t have to travel far to take a boat out on the water. If you're one of the state's many watercraft enthusiasts, whether you own a houseboat, fishing boat, bass boat, speed boat, canoe, or cabin cruiser, Wisconsin boat insurance is an affordable way to protect your investment and finances.

Fortunately, a Wisconsin independent insurance agent can help you get equipped with all the boat insurance you need. Your agent will evaluate your personal watercraft's specifics and its uses to find you the ideal policy. First, though, here's a breakdown of Wisconsin boat insurance requirements and more.

Best Boat Insurance Companies in Wisconsin

You can find boat insurance from many different carriers near you. However, when you're looking for the best boat insurance in Wisconsin, it's helpful to know where to start. Check into these top-rated boat insurance carriers first.

A Wisconsin independent insurance agent can compare boat insurance quotes from these carriers and other quality boat insurance companies that offer coverage in your area.

What Boat Insurance in Wisconsin Can Cover

You'll need to build your boat insurance policy according to your personal watercraft's specs and your intended uses for it. In Wisconsin, some of the most common types of boat insurance to choose from include:

A Wisconsin independent insurance agent can help you choose the types of boat insurance that work best for you.

Is Boat Insurance Required in Wisconsin?

Boat insurance isn't mandatory by state law in Wisconsin, though boaters are required to officially register their vessels. However, having boat insurance can help you avoid having to pay potentially hefty out-of-pocket costs if you get involved in a collision, your boat gets stolen or vandalized, or you face a lawsuit. Knowing this, many boaters still choose to get boat insurance to protect their:

Further, if you have a boat and want to dock it at a marina, you'll likely be required to carry boat insurance first. If you finance your watercraft, your lender may also require you to have this coverage. Because of this, many boaters in Wisconsin end up getting boat insurance even though it's not technically required by law.

What Boat Insurance in Wisconsin Will Not Cover

In Wisconsin, boat insurance comes with certain coverage exclusions, just like any other policy does. Don't expect your boat insurance to cover any of the following threats or incidents:

Knowing what your specific boat insurance policy excludes from its coverage can help you avoid the hassle of filing claims that are bound to get denied by your insurer.

Average Cost of Boat Insurance in Wisconsin

Wisconsin is one of the more affordable states for boat insurance. In Wisconsin, boat insurance averages just $263 per year. However, your policy's costs may differ based on the following criteria:

Having filed boat insurance claims in the past is one of the most common reasons boaters can experience more expensive boat insurance premiums.

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What Boat Insurance Discounts Are Available in Wisconsin?

You can reduce your boat insurance rates even further by applying various discounts to your coverage. In Wisconsin, you may qualify for some or all of the following boat insurance discounts:

Keep in mind that the boat insurance discounts offered vary by insurance company. Your Wisconsin independent insurance agent can help find and apply any discounts you've earned to your policy for you.

Popular Questions about Wisconsin Boat Insurance

Is boat insurance required in Wisconsin?

Boat insurance isn't required by state law in Wisconsin. However, many boaters are required to have coverage if they wish to dock their watercraft at a marina.

How much does boat insurance cost in Wisconsin?

Boat insurance costs $263 annually, on average, in Wisconsin. However, boat insurance rates can vary based on the type of boat you have, your exact location, how often you use your boat, your personal claims history, and other factors.

What is the best boat insurance company in Wisconsin?

We found that Progressive is the best boat insurance company in Wisconsin this year. Progressive's rates, coverage options, discounts, and customer reviews easily earned the carrier our top recommendation.

If I cause an accident while towing my boat, who pays for the damage?

If you're towing your boat and cause an accident, you can go through your boat insurance to cover the damage to your watercraft as well as third-party property. Your boat insurance policy can also pay for injury treatments to yourself, your passengers, and third parties.

Is boat insurance required in Wisconsin?

You're not required by law to have boat insurance in Wisconsin. However, if you finance your watercraft, your lender most likely will require you to have coverage.

What does boat insurance cover in Wisconsin?

You can customize your Wisconsin boat insurance to cover liability, collisions, theft, vandalism, towing services, fuel spill and wreckage cleanups, and much more. What your policy covers depends on the specific types of protection you choose to go into it.

Why work with a Wisconsin independent insurance agent when shopping for boat insurance?

Wisconsin independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. Independent insurance agents work hard to find quality coverage at the most affordable rate. They'll shop and compare boat insurance quotes from a number of different carriers for you. 

And down the road, they can help you file boat insurance claims or update your coverage as needed. Your agent can help you find boat insurance in Madison or wherever you reside.

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