Michigan boat insurance for
every lake, river, and marina.

Does your homeowners policy cover your boat?

Standard homeowners insurance typically covers boats under 25 feet with less than 25 horsepower up to a low sub-limit — often $1,000–2,500 in liability. That's far below what you need on a Michigan lake or river, let alone the Great Lakes. A dedicated marine policy fills every gap your homeowners policy leaves open.

What Michigan boat insurance covers

• Agreed Value — Your boat is insured for a fixed amount agreed at policy start. No depreciation deducted at claim time. The right choice for most Michigan boat owners.
• Actual Cash Value (ACV) — Pays depreciated market value at time of loss. Lower premium, but you may receive significantly less than you expect.
• Liability Coverage — Covers bodily injury and property damage you cause to others on the water.
• Fuel Spill Liability — Required at many Michigan marinas. Covers cleanup costs if your boat leaks fuel.
• Wreck Removal — Covers the cost of removing your sunken or disabled vessel from a waterway.
• Towing & Assistance — On-water towing if your engine fails or you run aground.
• Trailer Coverage — Covers your boat trailer while in transit or stored.
• Personal Effects — Coverage for fishing gear, electronics, and other equipment on board.
• Lay-Up Credit — Reduce your premium during Michigan's winter storage season.

Great Lakes vs. inland lake coverage

Great Lakes exposure is significantly different from inland lake boating. Open water, larger swells, longer distances from shore, and commercial shipping traffic all increase your risk profile. Many policies include navigational limits that restrict Great Lakes coverage — or price it differently. We make sure your policy matches where you actually boat.

Marina requirements matter too. Many Michigan marinas require proof of liability coverage — often $300,000 or more — before allowing you to dock. We ensure your policy meets those requirements and can provide certificates of insurance when needed.