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Boat/Watercraft Insurance in Wisconsin

It's important to know what to look for in a Wisconsin watercraft insurance policy. When shopping for boat insurance, it is important to consider these items:

Navigational Area

It's essential to know where you are covered in the water. Different insurance companies offer different areas of protection. The coverage may cover you for up to 75 miles off the United States' coastline; it may cover Canadian coastal and inland waters as well as the Pacific coastal waters off Mexico's coast. What areas do you need coverage for? Make sure the plan you choose fits your needs.

Agreed Value Coverage

Boats depreciate just as automobiles do. Agreed value coverage is an agreement between you and your insurance company; you agree on your watercraft's value when you choose your policy before it is issued. In the event your boat is destroyed, your insurance company guarantees to pay you the value agreed upon before you purchased your policy.


Just as with your auto, you will want personal liability coverage. This provides coverage to other boat owners and boaters if there is an event and you are at-fault. Personal liability coverage will pay for the repair or replacement of someone else's property, and it will pay for any necessary medical care or lost wages they incurred as a result of the boating accident if you are at-fault.

Medical Payments

With medical payments coverage, your insurance company will pay for the cost of any needed care as a result of a boating accident. The coverage covers you and your passengers.

Physical Damage Coverage

If your watercraft or trailer is stolen or damaged, physical damage coverage will pay to repair or replace it.

Unattached Equipment Coverage

This type of coverage will pay to repair or replace any equipment which is not attached to your boat. This could be items such as water skis, anchors, oars, life jackets, etc. With this coverage, if you lose this unattached equipment due to theft, or if the equipment is damaged, you are covered.

Every situation is unique. Contact independent insurance agents DernCo today. Our Milwaukee, WI boat insurance agents, will provide you with the best watercraft insurance coverage available.

Servicing these States

  • Wisconsin
  • Colorado

Our Carriers...

  • Aetna
  • ASI
  • Dairyland
  • Encompass
  • Fema
  • Foremost
  • The General
  • Humana
  • Madison
  • Metlife
  • Progressive
  • Safeco
  • Travelers
  • United Health Care