Watercraft Insurance for Boats Across Michigan

Reliable Coverage for Life on the Water

Whether you’re cruising the Great Lakes, fishing an inland river, or towing the kids around the lake on weekends, we help Michigan boaters protect what moves them. From personal watercraft to pontoons & fishing boats, we offer watercraft insurance that fits how you use your boat — with coverage that makes sense and service that sticks with you through every season.

Who This Coverage Is For

Coverage for All Types of Michigan Boaters

  • Fishing boat owners
  • Pontoon & deck boat users
  • Wake, ski, & sport boat operators
  • Personal watercraft (PWC) riders
  • Sailboat & cabin cruiser owners
  • Weekend hobbyists or seasonal users
A boat is on a trailer on the side of a road.

What Boat Insurance Can Include

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Physical Damage Coverage

Covers repairs or replacement if your boat is damaged by collision, storms, fire, theft, or sinking.

A black and white icon of a boat with a shield and a check mark.

Liability Protection

Protects you if you’re legally responsible for injuries or property damage while using your watercraft.

A black and white drawing of a sinking ship in the ocean.

Medical Payments

Pays for minor injuries to passengers or others involved in a boating accident, no matter who’s at fault.

A black and white drawing of a boat in the water.

Towing & Assistance

 Covers on-water towing, fuel delivery, and emergency assistance if you get stranded.

A black and white icon of a boat with a can of soda.

Fuel Spill Liability

Provides protection if your boat leaks fuel or pollutants into a body of water, helping cover cleanup costs.





A white cross in a black circle on a white background.

Optional Add-Ons

  • Coverage for trailers & lifts
  • Personal items like rods, gear, or safety equipment
  • Hurricane haul-out reimbursement
  • Agreed value policies for high-end or collector boats

Why It Matters

Michigan’s Waters Come with Real Risks

Rough chop, submerged hazards, busy launch ramps — boating here can be unpredictable. Even careful boaters face risks from sudden weather or careless operators. We help you find protection that’s tailored to Michigan’s boating conditions, lake laws & seasonal needs.

Three Ways We Help

Why Michigan Boaters Trust Us

Built for Michigan Lakes

We know the difference between insuring a quiet inland lake boat and a 25-footer on Lake Michigan.

Real-World Coverage

We don’t just sell you a policy — we walk through how it works when something goes wrong.




Claims Help That Floats

If you ever need to use your coverage, we’ll be in your corner — not just handing you an 800 number.


Watercraft Insurance FAQs

  • Is boat insurance required in Michigan?

    It’s not legally required, but marinas, lenders, and storage yards often demand it. It also protects you from serious out-of-pocket costs.

  • Does my homeowners policy cover my boat?

    Not usually — and if it does, it’s very limited. We recommend a dedicated watercraft policy for proper protection.

  • Can I store my boat in the off-season and still be covered?

    Yes. Off-season storage coverage helps protect against fire, theft, and other non-use damage

  • What types of boats do you insure?

    We cover most powerboats, pontoons, sailboats, and PWCs — just ask and we’ll help you find the right fit.

  • How is my premium calculated?

    It’s based on the type of boat, usage, horsepower, value, safety features & your boating experience.

Set Sail with Confidence

The water is unpredictable — your coverage shouldn’t be. Let’s talk about a policy that keeps your boat protected from launch to storage.