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Boat/Watercraft Insurance

Boat/Watercraft Insurance

Getting the Right Insurance for Your Boat or Watercraft

Wisconsin and Illinois are  known for their proximity to some of the world's most beautiful lakes, including Lake Michigan and Lake Winnebago. If you have a boat or watercraft make sure you are protecting yourself and your asset with proper insurance. Boat and watercraft insurance through Kenosha Insurance can be customized to meet your exact needs. You may be thinking to yourself that you don't need boat insurance, but it's important to understand the risk you take when you go without coverage.

With the refreshing water splashing up in your face and the warm breeze blowing through your hair, the last thing you want is for a boating accident to ruin your day. Jet ski's provide another level of liability because they are so maneuverable, guest riders often can make simple mistakes. With boat insurance, you'll have peace of mind in knowing you have an insurance company in your corner to help you manage if something happens.

It's required by law that you register your boat as well as get a Certificate of Number or sticker. These requirements apply unless:

  • Your boat is a sailboat that is less than 12 feet and doesn't have a motor
  • Your boat is a manually propelled vessel that doesn't have a motor or a sail
  • Your boat is registered in another state, and you don't use it in Wisconsin or Illinois waters for any longer than 60 days

The boating age requirements are as follows:

  • Anyone under the age of 10 may not operate the boat
  • Anyone under the age of 12 cannot operate a PWC
  • Those between the ages of 10 and 15 can operate a motorboat or PWC, however, this only applies if they are accompanied by a parent or guardian
  • If you are born after January 1, 1989, you have to complete a state-approved boating safety course to operate a watercraft

You don't have to have boat insurance on your watercraft, but it is highly advised. To speak with a qualified insurance agent about getting boat insurance that fits your needs, contact Kenosha Insurance today.