Boat & Watercraft Insurance in Indiana

Out on the Water, Worry-Free

A boat or personal watercraft is a big investment, and a boat policy is built differently from the add-on coverage you may get through a home or auto policy. Michaels Insurance helps Northern Indiana boaters find the right protection from multiple carriers.

What We Cover

• Powerboats, pontoons and fishing boats
• Sailboats
• Personal watercraft (jet skis)
• Motors, trailers and attached equipment

Coverage Options

Depending on the carrier, your policy may include:

• Liability: Pays for damage and injuries you cause to others on the water.
• Physical damage: Repairs or replaces your boat, motor and trailer after theft or damage.
• Agreed value: You’re paid the amount you insured the boat for, minus your deductible, instead of a depreciated value.
• Medical payments: Helps cover injuries to you and your passengers, regardless of fault.
• Uninsured / Underinsured boater: Protects you if the other boater doesn’t carry enough insurance.
• Fuel spill and wreckage removal: Helps with cleanup costs if your boat sinks or leaks.
• Personal and unattached equipment: Covers gear like fishing equipment, skis and life jackets.
• Emergency assistance: Towing and on-water help if you’re disabled.
• Navigational area: Confirms where you’re covered. Ask us about your boating area.

Why Michaels Insurance

We’re a local, independent agency, here in Northern Indiana since 1982. We’ll help you pick the right amount of coverage and explain what each piece does. Se habla español.

To get started on your quote, call our office or click over to our quotes page.

Either way we’ll make the process simple!