Toys: boats, yachts & exotics
The things you own for fun deserve the right protection. We insure everything from fishing boats to yachts, motorcycles to exotic cars.
Recreational vehicles and watercraft often aren't fully covered by home or auto policies. Specialty policies offer agreed values, on-water towing and liability designed for how you actually use them.
What's covered
Boats & personal watercraft
Physical damage, liability, towing and fuel spill coverage.
Yachts
Agreed-value hull coverage, crew and navigation territory options for larger vessels.
Motorcycles
Coverage for riders, custom parts and riding gear.
ATVs, UTVs & snowmobiles
Off-road and trail coverage for Michigan's seasons.
RVs & campers
Coverage for motorhomes and travel trailers, including full-time living options.
Exotic & collector cars
Agreed-value coverage that reflects what your vehicle is really worth.
Who it's for
- Boat & yacht owners
- Motorcycle riders
- Off-road enthusiasts
- RV travelers
- Car collectors
Common questions
Does my homeowners policy cover my boat?
Only in very limited ways, usually for small boats and low limits. A dedicated boat policy is almost always the right choice.
What is agreed value?
You and the carrier agree on the value up front, so a total loss is paid at that amount without depreciation.
Can I insure a boat stored at a marina?
Yes. We'll make sure coverage meets your marina's requirements.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.