Boat and Personal Watercraft Insurance

michigan boat insurance

Your Local Boat and Personal Watercraft Insurance Agency in Michigan

Boating is a fan-favorite activity in Michigan, as you’re never far from one of the five Great Lakes or one of the thousands of inland lakes.

While every big-name carrier tries to advertise the “lowest rates”, they don’t know you or your needs.

At Insurance Network Agency, we represent dozens of watercraft insurance carriers. We’ll protect your boat or personal watercraft with specialized coverage at the lowest possible rate.

Interested in getting insurance for your boat or personal watercraft? Contact us today to get a quote.

Boat Insurance in Michigan

While boat insurance is not required in Michigan, all motorized boats are must be registered. Additionally, if you have a boat loan, the lender may require you to carry boat insurance to protect their investment in your boat.

Although boating insurance isn’t required, it’s never a good idea to be on the water without it. In 2020 alone, there were 181 boating accidents reported in Michigan that included 33 fatalities, 20 drownings and approximately $2,188,237 of property damage.

If you get into an accident with your boat or personal watercraft, you’ll truly benefit from having a dedicated boat insurance policy.

Boat Insurance Coverage Considerations

boat insurance navigational area

Navigational Area

Some insurance policies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and more.

boat insurance agreed value

Agreed Value Coverage

Agreed Value policies remove a layer of uncertainty vs. Actual Cash Value policies. Agreed Value means that if your boat is a total loss, you’ll get the value you insured it for, minus any deductible.

boat insurance Watercraft Liability

Watercraft Liability

Watercraft liability protects you against lawsuit costs and judgements should you damage something or hurt someone while operating your watercraft.

Physical Damage Coverage

Physical Damage Coverage

Physical damage coverage pays for the repair or replacement cost of your watercraft, its motor, and any permanently attached equipment. It also covers your boat trailer if it’s stolen or damaged.

fuel spill and wreckage liability

Fuel Spill Liability and Wreckage Removal

If your boat sinks or is seriously damaged, there’s a chance that it could leak oil or fuel into the water. As the boat’s owner, you’re required by law to clean this up which can be time consuming and expensive.

Unattached Equipment Coverage

Unattached Equipment Coverage

This coverage pays to repair or replace equipment that isn’t permanently attached but designed for use primarily on your boat or personal watercraft. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, and more.

medical payments

Medical Payments

Medical payments coverage will pay for the immediate cost of needed care as a result of a boating accident. This coverage extends to others you may hurt.

Uninsured/Underinsured Watercraft Bodily Injury

Uninsured/Underinsured Watercraft Bodily Injury

Since boat insurance isn’t mandatory, many boaters choose not to get insurance. If you’re injured by an uninsured or underinsured boater, this type of coverage pays for your medical treatment, lost wages, and other costs associated with the accident.

personal effects

Personal Effects

Your boat insurance policy can provide coverage for your personal effects, including clothing, jewelry, cell phones, scuba/snorkeling equipment, fishing equipment, and more. Limits vary by policy, so check with us for what can be covered.

emergency assistance

Emergency Assistance

If the watercraft is disabled while on the water, the Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned batteries.

Considering Boat Insurance For Your Personal Watercraft?

For decades, Insurance Network Agency has helped boat owners throughout Michigan get the coverage they need. We collaborate with the leading marine carriers to provide our customers with the best coverage at the lowest price.

Let us do the heavy lifting; contact us today to get started.

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Our agents are ready to ask the right questions to help you get the best coverage at the best price. Request a proposal now.

Insurance Network Agency

Battle Creek, Michigan
732 Capital Avenue, SW
Battle Creek, MI 49015
(269) 968-0577

Monday - Friday: 8:30 am - 5 pm

Smith Pulling Insurance Agency

Albion, Michigan
800 South Superior Street
Albion, MI 49224
(517) 629-5555

Monday - Friday: 8:30 am - 5 pm

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