Smart Protection for Michigan’s Lakes and Waterways

Boat Insurance Coverage for Watercraft Owners in Michigan

Whether you fish, cruise, or race—your boat is more than a vehicle, it’s a lifestyle. At Logan Insurance Group, we offer comprehensive boat insurance in Okemos, MI and across Michigan, so you can enjoy the water knowing your vessel is protected against unexpected damage and liability.

Get started with marine coverage that fits your boat and your budget.

What Michigan Boat Insurance Covers

From pontoons to speedboats, every watercraft deserves custom protection. We’ll help you insure your boat for where, how, and how often you use it.

Physical Damage Coverage

Protects against collisions, sinking, fire, theft, and storm damage whether you’re on the water or storing your boat for winter.

Liability Insurance

Covers injury or property damage you may cause to others while operating your boat—especially important for high-traffic lakes and marinas.

Uninsured Boater Coverage

Pays for injuries if you're hit by a boater who doesn’t have insurance—a common risk in Michigan’s waters.

Towing & Assistance

Helps cover costs for on-water towing, fuel delivery, or mechanical breakdown support when you’re stranded.

Equipment & Accessories Protection

Includes anchors, electronics, life jackets, trailers, and other personal or safety gear commonly excluded from basic boat policies.

Agreed Value Coverage

Avoid depreciation surprises—choose a policy that pays a set value if your boat is totaled, giving you financial certainty.

Why Boat Insurance Matters in Michigan

With over 11,000 inland lakes, the Great Lakes, and miles of shoreline, Michigan is made for boating. But open water also brings risk. Without proper boat insurance, you could face costly repairs, lawsuits, or medical bills that your homeowners or auto policy won’t cover.

We specialize in boat insurance across Michigan, with options built for seasonal boaters, full-timers, and weekend cruisers alike.