Boat & Watercraft Insurance – Stay Afloat with Proper Protection

Family packing car for vacation; smiles at camera. Pink luggage, house in background.

Insurance For Your Boat, Jet Ski, Or Personal Watercraft

Time on Lake Winnebago and the Fox River should be relaxing—boat insurance Lake Winnebago owners rely on keeps it that way. Wisconsin doesn’t require boat insurance by law, but marinas, lenders, and common-sense risk often do. Head Insurance Agency covers fishing boats, pontoons, runabouts, sailboats, and PWCs for families in Sherwood, Appleton, Neenah, and Menasha.

Couple toasting champagne on a white dock over turquoise water; other guests in the background.

Insurance For Your Boat, Jet Ski, Or Personal Watercraft

Time on Lake Winnebago and the Fox River should be relaxing—boat insurance Lake Winnebago owners rely on keeps it that way. Wisconsin doesn’t require boat insurance by law, but marinas, lenders, and common-sense risk often do. Head Insurance Agency covers fishing boats, pontoons, runabouts, sailboats, and PWCs for families in Sherwood, Appleton, Neenah, and Menasha.

Aerial view of a marina with boats docked, turquoise water, and surrounding buildings.

Coverage Highlights For Wisconsin Waters

A dedicated policy can include:

  • Physical damage for accidents, weather, theft, and vandalism—essential during storm season.
  • Liability if you injure someone or damage another vessel.
  • Medical payments for you and passengers.
  • Uninsured boater in case another operator lacks coverage.
  • Options for trailer coverage, fishing equipment, and on-water towing.

Home policies offer limited boat protection; comprehensive homeowners insurance is important, but serious boating exposures need purpose-built coverage.

Navigating Discounts And Seasonal Storage

Complete a boater safety course, store indoors over winter, or bundle with home and umbrella insurance to access potential savings. Head Insurance Agency aligns liability limits with your household policies so coverage works together on and off the water.

Coastal town with harbor filled with sailboats and a beach, buildings on a hillside under a blue sky.

Boat Insurance Questions, Answered

  • Is coverage required at marinas?

    Many marinas require proof of liability—check your slip agreement.

  • Am I covered in winter storage?

    Comprehensive protects against theft, fire, and certain weather losses in storage.

  • Can others drive my boat?

    Usually yes with permission, but policy terms apply.

  • Do PWCs need separate coverage?

    They can be added or insured separately; we’ll place them correctly.