Boat and Yacht Insurance for Michigan’s Waterways

Coverage for the Water, Confidence for Every Trip

Whether your idea of a perfect day includes tubing on the lake, fishing on the river at dawn, or cruising open waters on a larger vessel, boat ownership comes with freedom and responsibility. At the Harry O. Culp Insurance Agency, we help you protect that lifestyle with specialized boat and yacht insurance tailored to your vessel, your usage, and your risk profile.

We work with leading carriers who understand the unique needs of boat owners and offer flexible, comprehensive protection. Whether you're insuring a modest fishing boat or a luxury yacht, we’ll help you build a policy that ensures you’re covered both on and off the water.

Our team is based right here in Michigan, where boating is more than a hobby, it’s a way of life. That local insight matters when it comes to coverage that fits.

Why You Need Boat Insurance

While some home insurance policies offer limited coverage for small boats, they rarely provide the protection needed for most watercraft. A dedicated boat or yacht policy can help cover:

• Accidental damage

• Theft and vandalism

• Storm or fire damage

• Liability if someone is injured on your boat

• Towing or emergency assistance on the water

• Fuel spill liability

• Damage to docks or other property

• Medical payments for passengers or guests

Without proper coverage, one accident or storm could lead to costly repairs, legal issues, or out-of-pocket medical expenses. We’re here to help you avoid that and get the peace of mind you need to enjoy your time on the water.

What We Cover

We offer insurance for a wide range of watercraft, including:

• Pontoon boats

• Fishing boats and bass boats

• Bowriders and runabouts

• Personal watercraft (e.g., Jet Skis, Sea-Doos)

• Cabin cruisers

• Yachts and sailboats

• High-performance boats

• Houseboats

Each vessel type has different risks and requirements. We’ll walk through your boat’s size, value, motor type, and usage (inland vs. coastal) to recommend the most appropriate protection.

Additional Coverage Options

Depending on your boat and how you use it, we may recommend additional endorsements such as:

• Agreed Value Coverage: Pays the full insured amount of the boat if it’s totaled, rather than a depreciated value.

• Trailer Coverage: Protects your trailer while stored or in transit.

• Personal Effects Coverage: Covers fishing gear, electronics, or other valuables on board.

• Uninsured Boater Coverage: Protects you if you’re in an accident caused by someone with no insurance.

• Hurricane Haul-Out Coverage: Helps with the cost of protecting your vessel in advance of a named storm.

Protection That Travels With You

If your boating takes you beyond Michigan, whether to the Great Lakes, Florida coast, or across borders, we’ll help ensure your policy offers the right level of geographic and navigational coverage.

Some policies limit coverage to inland waters only, while others extend along U.S. coasts or into international waters. We’ll make sure your policy reflects where you actually go.

Why Work With the Harry O. Culp Insurance Agency

As an independent, locally owned agency, we take the time to get to know how you use your boat and what matters most to you. We’re not tied to one insurance provider, which means we can compare quotes and coverage from several top carriers who specialize in marine insurance.

We also pride ourselves on clear answers and personal service, so if you ever need to update your coverage or file a claim, you’ll know exactly who to call.

Let us help you protect your investment, your passengers, and your time on the water with coverage that’s built around you.