Boat/Watercraft Insurance

Do you Have Insurance for Your Boat or Watercraft?

Michigan’s lakes and waterways offer families the opportunity to enjoy the unspoiled natural beauty. Investing in a boat means that it will need protection with insurance. It will also provide you with liability insurance in the event someone gets injured while you are boating. While home and auto policies may be familiar, a boat insurance policy will present different options. The agents at Viking Insurance Agency help Michigan boat owners to get the coverage that they need. Talking to a knowledgeable agent will provide you with options that protect you financially.

One misconstrued item about owning a boat is that it can be covered with a home insurance policy. For tiny boats, this may be the case, but it is an exception. Your agent will be able to tell you whether this is possible or if you need a separate policy. A comprehensive policy better serves many larger boats and yachts.

When you look for a boat insurance policy, look at the liability coverage and any protection for physical damage. If someone is injured, they can sue you. You want to be able to protect yourself financially. Also, vandalism, theft, and damage to mechanical equipment need to be covered.

Talk to your agent if you use your boat infrequently. There may be discounts available that allow you to keep the boat covered even when you aren’t using it. Also, ask about coverage for underinsured and uninsured boaters. In a crisis, this can help protect you, your passengers, and your boat.

Our agents at Viking Insurance Agency can help you get the boat insurance that you need. In Michigan, we are the experts. We’ll help you decide whether an "agreed value" or an "actual value" is best for you. To get started, call our office to get general information but to get covered, come in and talk with our agents. We are ready to help you today! Do call us up.

Boat Insurance Types

When it comes to auto coverage, more is better than less. We can help you get the following coverages:

• Liability Insurance
• Uninsured Motorist Protection
• Collision Insurance
• Medical/Personal-Injury Protection
• Comprehensive Insurance