Selecting the right marine insurance is crucial. As experts specializing in marine coverage, we understand the unique risks you face. We work with top carriers to tailor a policy that protects your investment, vessel, and lifestyle, providing you with peace of mind on the water.
Physical Damage Protection
Collision and Comprehensive coverages protect your watercraft against a wide range of damage. Comprehensive covers events outside your control like fire, theft, vandalism, and weather. Collision covers damage from hitting another boat or object, or from capsizing. If these coverages are on your policy, your boat’s equipment, including furnishings, motors, and safety gear, is also protected.
Liability Coverage
Liability coverage on your boat insurance policy pays for damages and injuries you are responsible for while on the water, up to your policy limits. This includes damage to other boats, docks, and pilings, as well as injuries to your passengers and other boaters. In many cases, it also covers watersports, fuel spill cleanup, and wreckage removal.
Medical Payments
You can pick a range of coverage limits to pay for you and your passengers’ medical bills if you're in an accident or someone is hurt on your boat. Medical payments coverage has no deductible.
On Water Towing
If your boat is disabled or breaks down on the water, this coverage pays for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat is disabled on the water.
Personal Property & Fishing Equipment Coverage
Protection for the clothing, personal effects and fishing gear of the boat owner and their guests.
Uninsured/Underinsured Boater Coverage
Pays for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.
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While Michigan law doesn’t strictly require insurance for registration, most marinas and lending banks do. More importantly, the Great Lakes and inland waters pose real risks from submerged logs to sudden storms. Without coverage, you are personally liable for injuries, wreck removal, and environmental clean-up, which can cost thousands.
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Usually, no. Standard home policies typically exclude motorboats, jet skis, and high-value vessels, or offer very limited coverage (like only for small canoes). A dedicated Marine policy covers things home insurance won't, such as on-water towing, fuel spill liability, and agreed value protection.
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Boats have unique coverage needs that general agents often miss. Our Vice President, Troy VanderMeer, has nearly 10 years of marine claims experience. He understands the nuances in coverage laid out in marine policies, a distinction that can save you a fortune if you file a claim.
