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Do I Need Boat Insurance? | Keego Harbor MI

Insurance is probably not what you think of when you think about owning a boat. But in two states boat insurance is legally required to own and operate a boat, in many of the others it’s strongly encouraged to make sure you’re protecting yourself and your investment in your boat. So, while you may not necessarily need it from a legal standpoint in your state, it may be something you’re very interested in looking into if you plan on using your boat.

Boat insurance is pretty similar to automobile insurance coverage, breaking down into similar categories. However, most states do not require it by law, though that means you’re shelling out the cost yourself. And, like automobile insurance, certain safety precautions and certifications can get your cost lowered.

Below is some information on boat insurance and why you need it.

Is boat insurance required?

Only two states require boat insurance statewide, but you may find places you’re trying to use your boat require you to carry insurance in order to use their waters. So, it might be best to assume it’s required. Suggested policies include coverage of environmental cleanup, physical damage, collisions, and protection of the physical bodies of passengers in order to help cover medical bills.

Reason to get boat insurance

Boat insurance protects a lot. While it’s not something you may think about, you hopefully do think about safety. And that’s what boat insurance I all about, providing safety and protection for your boat and those who use it. Benefits and protections for insurance include:

  • Protecting yourself while using your boat
  • Protect any passengers you have on your boat
  • Protect your investment in your vehicle

Ultimately, mother nature does not have an off switch and even the most experienced boaters can find themselves in danger. It can be something as big as hurricane season or something as simple as running over debris in the water. It can get dangerous, and expensive, fast and you’ll find yourself wishing you had insurance when you’re shelling out money for repairs or even medical bills for those who become injured.

Related Questions

How can I get the best deal on boat insurance?

Boat insurance is all about safety. So, any steps you take to make your boat a safer vehicle will help your insurance situation. Just like with car insurance, getting certifications in boating courses and safety courses can lower the cost as can making specific safety adjustments to your boat.

Reaching out to an experienced insurance agency for quote is a good starting point.

Can I have my boat covered under my homeowner policy?

There is a possibility your boat can actually be covered under a homeowner’s policy, so make sure to check with your agent. Certain policies allow for physical damages to watercraft. But you shouldn’t rely on your homeowners to give adequate protections to your boat. Buying insurance for your boat, watercraft or recreational vehicle you own is wise.

Optional Boat Coverages:

  • Boating equipment and Accessories
  • Personal Property
  • Emergency Towing
  • Comprehensive
  • Collision
  • Guranteed Replacement Cost
  • Agreed Value
  • Actual Cash Value
  • Recovery costs
  • Trailers
  • Liability
  • Unisured Watercraft
  • Medical Payments


  • Multipolicy
  • Navigation Class
  • Payment in Full
  • Boating Experience
  • Higher Deductible

Talk to an insurance professional today about your needs and get your boat insured just in time for a summer of fun!

Complete Insurance Services in Keego Harbor MI is here to help. Our Personal Lines Department writes a full range of coverages for Michigan residents. Representing many excellent insurance companies that offer a variety of products to meet your individual requirement ensures a personalized insurance package at the most reasonable price. Call us for a Free no obligation quote and receive a Free boat inflatable key ring!

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The team at Complete Insurance is ready to provide personalized, no-obligation quotes for all your insurance needs.

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Joe Morrison
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Walker and his team have gone above and beyond for our family on multiple occasions. By far the easiest company I have worked with for communication.
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I have been insured by Auto Owners Insurance through the Complete Insurance Agency for more than 10 years. John and his staff have helped me through a few houses and a couple of claims. Top notch service from a very professional organization. Thank you for all of your service !
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Best insurance agents I've ever dealt with. I've got my auto and homeowners with them. A few homeowners claims with no problems. Every time I call, they treat me like family and quickly respond to my requests. I have , and will recommend them to anyone.
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Great pricing and good service. Very knowledgeable.
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Walker is fantastic. Quick to respond and always finds the best rates.
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Simply the best service anyone can ask for. Been with them for 24 years. Looking forward to 24 more!
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I like the fact that this is a family owned and operated business. They have helped to individualize my auto and home insurance needs. The staff is always helpful in answering my questions. Iv'e been with the company for over twenty years.