Protect Your Time on the Water

Whether you're fishing on Green Bay, cruising on Lake Michigan, exploring inland lakes, or enjoying a day on your personal watercraft, your boat represents a significant investment that deserves proper protection.

Accidents, storms, theft, collisions, and liability claims can happen when you least expect them. Boat and personal watercraft insurance helps protect your vessel, passengers, equipment, and financial future.

At M&M Insurance Agency, we help boat owners throughout Michigan and Wisconsin find coverage designed for how they use their watercraft.

 

What Types of Watercraft Can Be Insured?

Coverage may be available for a wide variety of watercraft, including:

 

Fishing Boats

• Aluminum fishing boats

• Bass boats

• Multi-species fishing boats

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Pontoon Boats

• Family pontoons

• Luxury pontoons

• Tritoons

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Ski & Wake Boats

• Wake boats

• Ski boats

• Tow boats

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Runabouts & Bowriders

• Recreational powerboats

• Family day cruisers

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Personal Watercraft (PWC)

• Jet Skis

• WaveRunners

• Sea-Doos

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Sailboats

• Recreational sailboats

• Cruising sailboats

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Cabin Cruisers

• Express cruisers

• Family cruisers

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Why Do You Need Boat Insurance?

Many boat owners are surprised to learn that homeowners insurance often provides limited protection for boats and watercraft.

 

A dedicated boat policy can help protect against:

• Collisions

• Liability claims

• Theft

• Fire

• Weather damage

• Passenger injuries

• Uninsured boaters

• Equipment losses

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What Does Boat Insurance Cover?

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Liability Coverage

Helps protect you if you are responsible for:

• Injuries to others

• Property damage

• Dock damage

• Watercraft accidents

• Legal defense costs

 

Liability claims on the water can become expensive, making this one of the most important coverages available.

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Physical Damage Coverage

Helps repair or replace your boat after a covered loss.

 

Coverage may apply to:

• Collisions

• Groundings

• Striking submerged objects

• Storm damage

• Fire losses

• Theft

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Comprehensive Protection

Provides coverage for non-collision losses such as:

• Theft

• Vandalism

• Fire

• Hail

• Windstorm damage

• Falling objects

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Medical Payments Coverage

May help pay covered medical expenses for you and your passengers following a boating accident.

 

Coverage may assist with:

• Emergency treatment

• Ambulance services

• Hospital expenses

• Copays and deductibles

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Uninsured & Underinsured Boater Coverage

Provides protection if another boater causes an accident and lacks adequate insurance.

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What Does Personal Watercraft Insurance Cover?

Personal watercraft insurance provides many of the same protections as boat insurance,

 

including:

• Liability coverage

• Physical damage coverage

• Theft protection

• Medical payments coverage

• Accessory coverage

• Uninsured boater protection

 

Because personal watercraft can travel at high speeds and carry passengers, liability coverage is particularly important.

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Coverage for Equipment & Accessories

Many boat owners invest significantly in accessories and equipment.

 

Coverage may be available for:

• Fish finders

• GPS units

• Marine electronics

• Trolling motors

• Anchors

• Safety equipment

• Custom seating

• Audio systems

• Water sports equipment

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Trailer Coverage

Boat trailers may also require insurance protection.

 

Coverage options may be available for:

• Physical damage

• Theft

• Collision losses

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Fuel Spill & Wreck Removal Coverage

Some policies provide protection for:

 

Fuel Spill Liability

Coverage for certain cleanup expenses following a covered fuel spill.

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Wreck Removal

Coverage for expenses associated with removing a damaged or sunken vessel when legally required.

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Seasonal Storage Protection

Many boats and personal watercraft spend months in storage.

 

Insurance can help protect your investment from:

• Theft

• Fire

• Storm damage

• Vandalism

• Storage-related losses

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Why Homeowners Insurance May Not Be Enough

While homeowners insurance may provide limited protection in some situations, it often does not provide adequate coverage for:

• Larger boats

• Personal watercraft

• Liability claims

• Boat trailers

• Specialized equipment

• Navigation areas away from home

 

A dedicated marine policy is typically the best way to protect your investment.

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Bundle and Save

Many customers may qualify for discounts by combining boat coverage with:

• Auto Insurance

• Homeowners Insurance

• Motorcycle Insurance

• ATV & UTV Insurance

• Snowmobile Insurance

• Personal Umbrella Insurance

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Why Choose M&M Insurance Agency?

As a local agency serving Michigan and Wisconsin, we understand the boating lifestyle common throughout our region.

 

We help boat owners:

• Compare coverage options

• Review liability limits

• Protect marine equipment

• Evaluate agreed value options when available

• Bundle recreational policies

• Coordinate umbrella liability coverage

 

Our goal is to help you enjoy your time on the water with confidence.

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Frequently Asked Questions

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Does homeowners insurance cover my boat?

Homeowners policies may provide limited coverage, but larger boats and personal watercraft often require a separate insurance policy.

 

Do I need liability insurance on my boat?

Liability coverage is strongly recommended because boating accidents can result in significant injury and property damage claims.

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Does boat insurance cover theft?

Comprehensive coverage may help protect against theft, subject to policy terms and conditions.

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Is my boat trailer covered?

Many boat insurance policies offer coverage options for trailers.

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Should boat owners consider umbrella insurance?

Yes. Many boat owners choose personal umbrella insurance because watercraft accidents can result in substantial liability claims.​​