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From the big water of the Great Lakes to a quiet inland lake up north, your time on the water should be about the sunshine — not what could go wrong. We help make sure your boat, motor, trailer, and the people aboard are protected, so you can just enjoy the ride.
Top O’ Michigan makes it our goal to keep your time on the water worry-free. As an independent agency, we shop multiple carriers to match coverage to how and where you actually boat — whether that’s a fishing boat, a pontoon, a ski boat, a sailboat, or a personal watercraft.
A homeowners or auto policy rarely covers a boat the way a dedicated watercraft policy does. We’ll help you cover the boat itself, your liability on the water, and the gaps in between.
Coverage is tailored to your boat and how you use it, and is subject to underwriting. Common pieces include:
Physical-damage coverage for the boat, motor, and permanently attached equipment.
Protection for the trailer that hauls your boat to and from the launch.
Your legal responsibility if you injure someone or damage their property on the water.
Coverage if you’re hit by a boater who has little or no insurance of their own.
Fishing gear, electronics, safety equipment, and the extras you keep aboard.
On-water towing and emergency help when something goes wrong away from the dock.
Michigan has some of the best boating in the country — and our agents live and boat here too. We understand the difference between insuring a boat that lives on a trailer and one that’s moored all season, and we’ll bundle it with your home and auto so the whole picture works together.
Coverage descriptions on this page are general and subject to underwriting and the terms of the policy you purchase. Insurance is not bound or altered until you receive confirmation from an authorized representative. Contact a local Top O’ Michigan agent for a quote.
Only in limited ways. A dedicated watercraft policy covers the boat itself, your liability on the water, and the gaps a home or auto policy leaves. For anything beyond a small, low-power boat, a boat policy is the way to go. Coverage is subject to underwriting.
It can include hull and motor, the trailer, boating liability, uninsured-boater protection, gear and personal effects, and towing or on-water assistance. Limits are tailored to your boat and how you use it, so talk through the details with your agent.
Michigan doesn’t require insurance for most recreational boats, but lenders and many marinas do, and it protects you from liability and damage on the Great Lakes and inland lakes. For most boaters, the protection is well worth it.
Often yes — many policies cover the boat while stored and while being towed, and the trailer can be covered too. Coverage varies, so confirm the specifics with your agent.
Usually, and bundling can earn a multi-policy discount. As an independent agency, we shop carriers to match coverage to how and where you actually boat.
Tell us about your boat and how you use it, and we’ll shop the right coverage across our carriers — often bundled with your home and auto.
