The state of Wisconsin offers a wide variety of places to use your personal watercraft, or PWC. Wisconsin boasts over 15,000 lakes, and hundreds of miles of protected waterways, plus the Mississippi River, Lake Superior and Lake Michigan. Riding a PWC on these waters is, without a doubt, a very popular and enjoyable pastime.
As a PWC owner, however, you face certain personal and financial risks on the water. You can protect your finances from the cost of damage, liabilities or even injuries, with Wisconsin PWC insurance.
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Wisconsin 2012 Boating Facts
Time on the water is fun, but it carries the potential for accidents that can harm your boat, you and others. Consider these 2012 boating statistics for Wisconsin:
- Total boating accidents in WI: 106
- Total boating injuries in WI: 67
- Total boating fatalities in WI: 23
Personal Watercrafts Insured in Wisconsin
Wisconsin PWC insurance is available for many types of watercraft. The most well-known brands you often see include Jet Ski, WaveRunner and See-Doo. Generally, all PWCs are classified into four categories. The following types of PWCs are those most likely found in Wisconsin waters:
- Stand-up models: These allow you to stand on the watercraft and can be the most challenging to operate. Stand-up models pose a higher risk of tipping over.
- Sit-down models: These allow you to sit down on the watercraft, often with a passenger seated behind you.
- Multi-person models: These may hold three or four people at a time and are designed to be more stable when loaded.
- Submersible PWCs: These can actually dive under the water and leap out of it. Also called water scooters, they put you at higher risk of orifice injuries that occur from falling in the water at high speeds.
Why You Might Need Wisconsin PWC Insurance
Even if you follow all state regulations and rules for owning and operating a PWC, you’re still at risk for a possible collision or breakdown.
Wisconsin PWC insurance offers that extra protection you’ll need if your PWC is ever involved in an accident, or is damaged in any way. Your specific policy will determine exactly what coverage you have. Typically, Wisconsin PWC insurance can include coverage for and protection against the following:
- Accessory coverage
- Medical payments coverage
- Pollution coverage
- Property damage
- Towing and assistance
- Uninsured and underinsured boater insurance
- Watersport liability
- Wreckage removal
The Cost of Wisconsin PWC Insurance
It is usually possible to find Wisconsin PWC insurance that fits into your budget. A variety of factors determine how much you’ll pay in premiums each year. These include the make of your PWC, what it’s used for, who operates it, and its current value.
In addition, your ZIP code and personal driving record can be determining factors in cost. Though policies range in price, you might expect to pay between $300 and $500 per year for coverage. You may be eligible for insurance discounts by doing any or all of the following:
- Taking an approved safety course
- Insuring more than one PWC, earning a multi-unit discount
- Earning customer loyalty or new customer discounts
- Purchasing multiple policies for your home and auto, earning multi-policy discounts
Find Wisconsin PWC Insurance Quotes
Working directly with an insurance company means usually means they’ll only present you with their own products. An independent agent, however, is able to represent multiple top insurers, so you can find a policy that truly meets your needs.
A local agent in the Trusted Choice® network can help you compare Wisconsin PWC insurance quotes, and guide you in the process of finding customized coverage for your unique situation. Contact an independent agent today so you can get back out on those Wisconsin waters worry-free.