Boat / Personal Watercraft Insurance

 Living in Northern Michigan we have so many opportunities to enjoy the Great Lakes and many lakes in throughout the region.  For those who own a boat or personal watercraft (PWC), that means you’ll want to protect your family, your boating guests, and your investment with the best marine insurance. 

A boat or personal watercraft policy insures you and your boat, jet ski, or other PWC against liability and damage if you have an accident.  The specific policy coverage that’s right for you depends on the type of boat or PWC you have and how you use it.  But as a general rule, most policies provide protection for liability coverage for bodily injury or damage to the property of others, damage to the hull, your sails, motor and machinery, the furnishings on your boat in the event of a collision, sinking, or vandalism and damage to your boat trailer from some external cause.

Depending on your policy, you may also be covered for fuel spills and wreckage removal.  Optional coverages are available as well.  For example:

• Replacement cost protection

• Towing and assistance coverage to transport your boat to a repair facility when it’s inoperable and you’re stranded.

• Emergency services such as gas delivery for boats and roadside assistance are also available.

The professionals at Lappan Agency will always look for discounts that may be available to you including placement of your policy with the same company that protects your home and/or auto.

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