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Home Insurance That is a Shore Thing

Your waterfront home should be where family traditions are started, friendships forged and memories are made.  Whether your home on the water is your primary residence, your weekend retreat or your summer getaway, you want to be sure that you protect it properly.

The typical homeowner's insurance policy doesn't provide all of the coverages you need for the different hazards of a waterfront property.  Homes on the water have unique property to protect including boat lifts, docks, swim rafts, boat houses, and break walls.

Your waterfront home also faces distinctive hazards such as collapse due to hydrostatic pressure and wind driven ice.  That is why our partners have created a package of coverages specifically designed for the shoreline homeowner.  


Contact us  today for more information about Shoreline Property Insurance or fill out our online quote form.

Don't forget, we can also insure your boat!  Learn more about watercraft insurance here.  

Exclusive Coverage

  • Shoreline Buildings and Other Structures:Up to 10% of the insured value of waterfront home extended to cover buildings and structures in, on or adjacent to a body of water.  This includes boat houses, boat lifts, docks and seawalls.
  • Replacement Cost Loss Settlement for buildings and structures used for recreation at the waterfront residence.
  • Collapse to the dwelling or any part of the dwelling and to other shoreline structures due to sub-surface water pressure, if the collapse is sudden and accidental.
  • Ordinance or Law: Up to $50,000 following a covered loss to a dwelling or other structure for additional costs to meet any applicable ordinance or law regulating construction, repair, demolition or debris removal, including building set back from the shoreline.
  • Shoreline Personal Property: used in connection with the residence - including floating docks, floating trampolines, ice fishing shanties and moored swim rafts. (Automatic coverage for shoreline personal property acquired in the past 30 days.)
  • Damage to covered shoreline personal property due to the additional peril of wind driven ice is covered.

With these customized coverages provided for shoreline properties, you can enjoy summer solace and peace of mind knowing that Top O' Michigan Insurance has you covered.

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
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

Mio
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

Petoskey
455 Bay St, Ste C
Petoskey, MI 49770

Local: (231) 347-4610

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

Local: (989) 705-8664