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 

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

Our Locations

Alpena 514 N Ripley Blvd Alpena, MI 49707

 Local: (989) 356-6133

Hillman 150 State St Hillman, MI 49746

Local: (989) 742-4574

Traverse City 3183 Logan Valley Rd Traverse City, MI 49684

Local: (231) 947-1164

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

Local: (906) 265-5137

Petoskey 1170 Bay View Rd, Ste B Petoskey, MI 49770

Local: (231) 347-4610

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

Local: (989) 705-8664