Boat Insurance in Canton & Southeast Michigan
Michigan has more freshwater coastline than almost anywhere in America — and Canton boaters are minutes from lakes all over Southeast Michigan. Whether you run a fishing boat, a pontoon, or a personal watercraft, our local AAA agency insures your time on the water the same way we protect your car and home.
Coverage that follows your boat
Boat insurance can cover the hull, motor, and equipment against damage or theft — on the water, on the trailer, and in storage. Liability coverage protects you if your boat injures someone or damages another vessel or dock, and we can add coverage for towing on the water, fuel spills, and personal effects.
Don't rely on your homeowners policy
Homeowners insurance usually gives only minimal coverage for small boats and often none for larger ones or liability on the water. A dedicated boat policy closes those gaps for less than most people expect.
Winter storage and Michigan seasons
We know Michigan boating is seasonal. We'll make sure your policy fits how you actually use and store your boat — including protection during the long winter layup.
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Frequently asked questions
Does my homeowners insurance cover my boat?
Only minimally, if at all — typically small limits for physical damage on small boats and little or no on-water liability. A dedicated boat policy properly covers the hull, motor, trailer, and your liability.
Is my boat covered while it's being trailered or stored?
Yes — a boat policy can cover your boat on the water, on the road behind your vehicle, and in storage at home or a marina. We'll confirm the details for your setup.
Can I bundle boat insurance with my auto and home?
Yes, most definitely — keeping your boat, auto, and home with one local AAA agency usually earns multi-policy savings and makes claims much simpler.
Coverage cannot be bound or altered via email or this website — please call the office to confirm any change to your policy.