Welcome to The Advisor | A Guide to Personal Lines
Welcome to The Advisor
Information contained in “The Advisor” is intended solely for the use of agents appointed with Western National Mutual Insurance Company (WNMIC). It may not be reproduced or redistributed without written permission from WNMIC. This “The Advisor” guide contains a summary of our products and eligibility guidelines and in no way indicates coverage or eligibility for any customer specifically. For complete information and details about eligibility and/or coverage conditions and exclusions, review the forms and endorsements that are part of each policy or contact your Underwriter.
It’s Springtime and we have new Watercraft Rates!
Watercraft rates have been updated just in time for summer. Most watercraft types and
households
will experience a decrease.
Try quoting watercraft now to see the impact of these new
rates!
Frequently Asked Questions on Watercraft and Road & Trail Vehicles
E-bike coverage depends on the bike’s maximum speed. If the bike can travel 20 MPH or less, it can be covered under a homeowners policy by adding the Motorized Vehicle endorsement. If it exceeds 20 MPH, it should be written on a Road & Trail policy.
Wisconsin Only: Watercraft liability is covered on the home policy for all outboard watercraft. If physical damage coverage is requested, the watercraft must be written on a Watercraft policy, and liability may be excluded from that policy. All other types of watercraft, except outboards, will need to be written on a Watercraft policy.
All other states: Liability for outboard watercraft is covered under the homeowners policy only if the motor is 75 horsepower or less. If the horsepower exceeds 75 hp, or if physical damage coverage is requested, the watercraft must be written on a Watercraft policy. Any watercraft that is not an outboard with 75 horsepower or less will also need to be insured on a Watercraft policy.
If the dock can be removed from the water, Coverage C will prevail. If scheduling the dock on an HO3 or HO5 policy, it should be listed on the policy for the location where the dock is used, and it will be covered on a replacement cost basis. Wave action damage is covered.
Docks will be covered under Coverage B when permanently installed in the water.
A dock may also be scheduled on a Watercraft policy, where it is covered on an actual cash value basis.
An ATV (all-terrain vehicle) is typically designed for a single rider and is smaller, lighter, and more maneuverable. It is steered using handlebars, similar to a motorcycle.
A UTV (utility task vehicle) features side-by-side seating and is operated with a steering wheel and pedals. It is generally larger and may also include additional features such as a roof or roll cage.
**To find the UTV option, make sure to scroll to the bottom of the Vehicle Type list**