Boat Insurance
Boat & Watercraft Insurance
Enjoy Lake St. Clair and every Michigan lake knowing your boat — and your liability — are covered.
Prefer to talk? Call (248) 315-0217
The challenge
Your homeowners policy probably won’t cover your boat
Homeowners policies usually offer little or no coverage for boats, and one accident on the water can be costly. Many boaters don’t find that out until they need to file a claim.
Whether you have a fishing boat, a pontoon or a personal watercraft, we build coverage around how and where you use it — so your time on the water stays worry-free.
What we can cover
Physical damage
Repairs or replacement after collisions, storms, fire or theft.
Liability
Injuries or property damage you cause while operating your boat.
Medical payments
Medical bills for you and your passengers after an accident.
Uninsured boater
Protection when another boater causes injuries and can't pay.
On-water towing and assistance
Help getting back to shore when you break down.
How it works
Getting the right Boat Insurance is simple
No pressure and no jargon — just three steps to coverage you understand.
Tell us what you want to protect
Call, stop by our Warren office, or send a quick request. Your car, your home, your family — start wherever you are.
Get a clear, customized recommendation
We explain every line in plain English, compare your options and find every discount you qualify for.
Live covered
Get back to your life knowing exactly what you are covered for — with a local team to call for changes and claim questions.
FAQ
Common questions
Do I need boat insurance in Michigan?
Michigan doesn't require it by law, but marinas and lenders often do — and a single accident on the water can be costly.
Does my homeowners policy cover my boat?
Usually only in a very limited way, if at all. A separate boat policy provides much broader protection.
Can you insure jet skis?
Yes, personal watercraft can be insured too. Tell us what you have and we'll quote it.
Free quote
Take the first step
Tell us a little about what you want to protect and our team will follow up with clear, customized options. Prefer to talk? Call (248) 315-0217.
Boat Insurance quote
No pressure, no jargon. A phone number or email is all we need.
Related coverage
You might also need
Auto Insurance
Michigan no-fault coverage built around how you drive — liability, collision, comprehensive and the PIP level that fits your family.
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Home Insurance
Protect your house, your belongings and your liability under one policy — with a local agency that explains what's covered.
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AAA Membership
Roadside assistance, travel help and member savings — the everyday benefits of AAA, set up by your local agency.
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