Watercraft Coverage That Keeps You Afloat

While policies can be customized, watercraft insurance often includes:

• Physical damage coverage for your boat or jet ski from accidents, storms, or vandalism. This helps repair or replace your watercraft so you can get back on the water quickly after the unexpected.
• Liability protection if you’re responsible for injury or property damage. It covers medical bills, repairs, or legal costs if an accident happens while you’re operating your boat.
• Towing and assistance in case your boat breaks down on the water. Whether your engine fails or you run out of fuel, this coverage can help bring you safely back to shore.
• Wreckage removal to safely clear damaged boats from waterways. This is especially important to meet local regulations and prevent hazards to other boaters.
• Fuel spill indemnification to cover cleanup costs after an accident. It helps you stay compliant with environmental laws and avoid hefty fines while protecting our waterways.

From the Great Lakes to inland waterways, Michigan is a boater’s paradise, but it also comes with unpredictable weather, busy marinas, and ever-changing conditions. The right watercraft policy ensures you’re ready for anything, whether you’re racing, fishing, or simply cruising with family and friends. With so much time spent on the water each season, even a minor mishap can turn into a major expense without the right protection. A tailored policy means you can focus on enjoying the day, knowing you’re covered from launch to dock.