Boat & Watercraft Insurance for Wisconsin Lakes & Shorelines
Whether you’re exploring Lake Michigan by powerboat or carving up Lake Winnebago on a Jet Ski, boat insurance in Wisconsin helps protect your investment, your gear, and your liability on the water. We work with local boaters across Brookfield, Milwaukee, and Lake Country to make sure your coverage fits the way you ride — and the season you ride in.
From pontoons to WaveRunners, we offer policies that protect you from the real risks of Wisconsin’s boating season — even if the law doesn’t require it.
What Boat & Jet Ski Insurance Typically Covers
We’ll help you build a policy that protects both your vessel and your wallet. Most policies can include:
Physical Damage Coverage
Pays to repair or replace your boat or Jet Ski if it’s damaged by fire, theft, vandalism, collision, or weather-related events. Includes coverage for hull, motor, trailer, and permanently attached equipment.
Liability Insurance
Covers you if you cause injury to someone or damage another person’s property while operating your watercraft.
Medical Payments
Helps cover medical expenses for you and your passengers in case of a boating accident, regardless of fault.
Uninsured Boater Protection
Covers you if another boater causes an accident and doesn’t have insurance — something we see more often than you’d think on local lakes.
Optional Add-Ons
Policies can be customized with extras like on-water towing, coverage for fishing gear or electronics, and trailer coverage.
Seasonal Considerations for Wisconsin Boaters
In Wisconsin, most boaters store their vessels in the winter. Many policies offer lay-up periods that reduce your premium during the off-season. We’ll work with you to time your coverage for year-round peace of mind — without paying for months your boat isn’t in the water.
Why You Still Need Boat Insurance (Even If It’s Not Required)
Wisconsin doesn’t legally require boat insurance for private vessels. But if you:
- Dock your boat at a marina
- Have a loan on your boat
- Let others operate your Jet Ski
- Store it off-premises
- Want to avoid paying thousands in repairs or liability out of pocket
…then a separate boat or watercraft policy is worth considering.
Accidents, theft, and storm damage aren’t uncommon — and your [homeowners insurance] likely won’t fully cover your boat once it’s in the water or used away from home. We’ll help you get the coverage you need before boating season starts.
Who Needs Personal Watercraft Insurance?
Jet Skis, WaveRunners, Sea-Doos — whatever you call them, they’re fun, fast, and full of liability risk. Most boat policies can cover these, but depending on your carrier, personal watercraft may need their own policy.
We’ll explain what applies to your setup and help you stay covered whether you’re trailering up to the Dells or launching locally.
Common Questions from Wisconsin Boaters
Is boat insurance required in Wisconsin?
Not by the state, but many marinas or lenders do require it — and it’s strongly recommended to protect your investment and liability.
Does my homeowners insurance cover my boat?
Only partially. Home policies typically limit coverage to very small boats stored at home and don’t cover liability or physical damage once it’s in use. You’ll want a separate boat policy.
Are Jet Skis covered under boat insurance?
Sometimes yes, but not always. Depending on the carrier, your Jet Ski may need its own personal watercraft policy. We’ll help you figure out what’s needed.
What discounts are available for boat insurance?
You may qualify for discounts if you complete a boating safety course, bundle with [auto or home insurance], or store your vessel during winter months.
What’s the difference between full coverage & liability?
Liability only covers damage to others. Full coverage typically includes collision and comprehensive protection for your own car, as well.
How much does boat insurance cost in Wisconsin?
It depends on the type of watercraft, usage, storage, and your driving history — but basic policies often start under $25/month. We’ll compare options to find the right balance of protection and price.
Planning for Extra Liability?
Boats and Jet Skis increase your risk of liability — especially if you have guests or let others operate your watercraft. If you want additional protection beyond your policy limits, ask us about adding [Umbrella Insurance] for broader, affordable coverage.
Get a Quote & Hit the Water with Confidence
Before your next day on Pewaukee Lake or Lake Geneva, get the coverage that lets you enjoy boating season with less worry. We'll explain your options in plain English, match you with the right carrier, and make the process quick and painless.
And don’t forget — request a quote and we’ll send you a $25 gas card to fuel your next adventure.