Michigan is a water state, with attractive boating opportunities. Driving a boat or watercraft is fun, but it carries many responsibilities. According to the law, registration of our boat is required, and although insurance is not, it is still a smart decision to make to protect your investment.
What is a Boat Insurance?
It is an insurance coverage that takes over the costs incurred on your boat in case of an accident or when it's stolen or vandalized. It also ensures you receive protection if you happen to damage property or injure someone with your boat accidentally.
Looking for an insurance company that will offer a boat insurance tailor-made for your needs? Janis-Shunta Insurance in Fruitport and Muskegon, MI offers reliable boat insurance solutions to boat owners in Michigan. We will walk you through each insurance policy and come up with the right coverage that will suit you.
The types of coverage we have under boat insurance include:
- Liability coverage- It covers accidents or damages to another person's boat, property, or an individual. All, which your vessel may have caused.
- Property coverage- It helps protect your boat from specific risks and covers cost of repairs after an accident occurs to your vessel
- Uninsured watercraft coverage- Covers injuries that may occur to your passengers in the event of another craft colliding with yours.
- Medical payments coverage- It covers resulting expenses from an accident like medical bills, X-rays, etc.
At Janis-Shunta Insurance in Fruitport and Muskegon, MI, we understand the value of your boat. To help guide you through, we have Michigan agents ready to answer all your questions and assist you where they can. Our rating tools are only available for home and auto insurance. We look forward to having you on board.
Michigan Boat/Watercraft Insurance Requirements
Understanding what coverage Michigan law requires helps you stay compliant and avoid penalties.
Industries We Serve
We write boat/watercraft insurance for a wide range of Michigan businesses.
Don't see your industry?
This list is not exhaustive. Contact us to discuss your specific business and coverage needs. As an independent agency, we work with multiple carriers and can often find coverage for businesses that other agencies turn away.
Frequently Asked Questions
Common questions about boat/watercraft insurance in Michigan
Why Work With an Independent Agency
We represent you, not the insurance companies.
Multiple Carrier Options
Captive agents represent one company. We work with multiple carriers to find the right combination of coverage and price for your specific business.
Local Knowledge
We understand Michigan's insurance requirements and the industries that operate here. When regulations change, we help you stay compliant.
Claims Assistance
When you have a claim, we help you navigate the process. You have an advocate who knows your policy and can communicate with the carrier on your behalf.
Our Offices
Three locations serving West Michigan since 1994