Boat Insurance in and around New Richmond

We're all in the same boat when it comes to needing trustworthy coverage. Looking at the variety of options available can get bewildering. That is why your State Farm agent Frank Steward can help you understand your options!

State Farm's boat insurance comes with great automatic coverages such as wreck removal, for example. Additionally, fishing tournament fee reimbursement, uninsured/underinsured watercraft coverage and boat rental liability are some optional endorsements that you may be eligible for. Your extra fuel tanks, trailer, anchors, boat will thank you. Contact Frank Steward today for a free quote!

Wisconsin law doesn't require boat insurance for most personal boats. But a collision with another boat, a dock or a swimmer can lead to costly injury and property damage claims. Lenders usually require coverage on a financed boat, and many marinas ask for proof of liability insurance before you can rent a slip.

With the St. Croix and Apple Rivers and dozens of lakes within an easy drive of New Richmond, there's plenty of time on the water to protect.

Policies can cover physical damage to your hull, motor and equipment from things like collision, sinking, fire, theft and storms. Liability helps if you injure someone or damage their property. Medical payments can help with injuries to you and your passengers.

You'll also want to think about your trailer, fishing gear and electronics, and towing or on-water assistance. Frank can help you decide how to insure everything from a fishing boat to a pontoon or personal watercraft.

In spring, inspect the hull, check your bilge pump and replace worn lines before the first launch. Make sure you have properly fitting life jackets for everyone on board.

Before winter, drain water from the engine and plumbing, add fuel stabilizer, and store your boat covered and secured. Many claims come from freeze damage and storage problems, not just accidents on the water.

Does homeowners insurance cover my boat?

A homeowners policy may give very limited coverage for small boats, often with low limits and little or no liability on the water. Most boat owners need a separate policy.

Is my boat trailer covered?

Trailers can be included with your boat coverage. Mention your trailer when you get a quote.

What do I need for a quote?

The boat's year, make, model, length, hull ID number, motor details and value, plus where you keep it.

Pair your boat with RV insurance and auto insurance, or see all insurance options in New Richmond.