Top O' Michigan Insurance Solutions

Michigan Boat Insurance

Aside from being called the Great Lakes State, Michigan has over 11,000 inland lakes and about 120 major rivers. This gives many boaters a way to escape the stresses of everyday life and get out on the open water with friends and family.

In order to get out and enjoy these pleasures, one of the things you’re responsible for is making sure your boat is properly insured. This is important for a number of reasons including to protect against substantial injury to others or heavy property damage.

Sometimes people may make changes to their homeowners policy to try and cover the liability of a watercraft. We suggest that a separate policy is a smarter way to do this because it helps offer broader coverage to protect your assets. Plus, many types of watercraft don’t qualify for coverage under a standard homeowners policy.

Every watercraft policy will vary in coverage but a good boat owner will be sure to focus on 

  • Property coverage on boats, motors, equipment and trailers - this helps to cover the cost to replace or repair these when they’re damaged by a covered event. You can adjust your deductibles to what you feel you can comfortably absorb if a loss does occur.
  • Liability Coverage insures you for your legal obligations.  This could be for lawsuits and other related costs that may arise from a boating accident. We recommend that Michigan boat owners purchase limits high enough to handle the potentially serious injuries and loss of earnings a victim or victims may sustain. This is also another reason to consider a Personal Umbrella policy.
  • Uninsured Boater Coverage protects you when an accident occurs that was caused by an uninsured boat operator who has no other financial source to handle the loss.  Again, we encourage boat owners to to select the same limit for this coverage as your liability limits.

Happy & Safe Boating!

Top O’ Michigan Insurance makes it our goal to make sure you enjoy your time on the water without having to worry about what could go wrong when it comes to your insurance. We understand the unique differences between boaters; whether you're a leisure boater, commercial fishermen or guides, operating a personal watercraft or another means of water transportation, we’ll customize an insurance policy to fit your unique needs.  You can learn more about navigating boat insurance from one of our partner companies, Hanover Insurance Group (Citizens) here.

Your next boating adventure awaits!  Learn more boating tips from one of our partner companies, Progressive here. 

With boating accidents on the increase year after year not only is having the proper insurance coverage important but also your ability to return to the dock safely.  Click the image below to learn more about boating and water safety

Boat Insurance Done Right

  • Coverage for Mechanical Breakdowns - You have heard it before, insurance never covers common wear and tear or mechanical breakdowns. With the right coverage on your boat insurance policy, we'll repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor if you have a breakdown - even if it's caused by wear and tear.
  • Towing on the Water - We'll cover towing, fuel delivery, soft ungroundings and jump starts if you boat breaks down on the water. 
  • Total Loss Replacement for a brand new boat - You can purchase this coverage if your boat is no more than 1 model year old.  If it is totaled within 5 model years, you will either get a new one or the amount you originally paid - your choice.  If you're outside of the 5 years, you get the original purchase price you paid. (No depreciation or estimations) 
  • Fuel Spill pays for the cost of cleaning up a fuel spill, even if your boat sinks.
  • Wreckage Removal pays for the cost to remove your boat from the water if your boat sinks.
  • Fishing Equipment Coverage
  • Water Sports Coverage
  • Trailer Coverage includes physical damage, Roadside Assistance and 
  • Trip Interruption - if your trailer or tow vehicle breaks down more than 100 miles from home, up to $500 for food, hotel and other transportation costs.

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664