Boat Insurance in Sturgis and Coldwater, MI
In MI summer can only mean one thing – boating! However, while a leisure activity, hitting the water is not without associated risks. At Littman Insurance, we understand the exposures facing those who own a boat, and are dedicated to keeping them protected with customized insurance coverage.
From sailboats and yachts to jet skis and runabouts, we routinely insure a variety of boats in Sturgis, Coldwater, and the surrounding areas.
Standalone Boat Insurance Quotes in Sturgis, MI
Many boaters believe that their homeowners’ policy will provide coverage for their boat. While there are some very basic coverages that extend to a watercraft, such as liability, these coverages are limited to boats with a certain horsepower. Actual damage to your watercraft is often excluded from being claimed on a homeowners’ policy. The best way to cover your watercraft is with a boat insurance policy, which one of our agents will happily quote for you.
Levels of coverages offered at Littman Insurance include replacement watercraft, agreed value and guaranteed value policies. Additional coverage is also available for fishing equipment, trolling motors, radios, cameras, cell phones, life jackets, ropes, buoys, medical payments for skiers, and more.
Insurance for Outboard Motors, Fishing Equipment, and More
We work with carriers that offer specific coverages and discounts especially beneficial for boat owners. Our goal is to educate our clients, so we encourage boat owners to use their insurance policies in the most efficient way. For example, one common misconception is that it’s good practice to cancel boat insurance policies during the winter months. We advise our clients against leaving themselves unprotected in this way.
To make maintaining protection easier and more affordable for clients, we’ve chosen to work with carriers that offer incentives for keeping your policy active all year, such as renewal or longevity discounts, disappearing deductibles, deductible waivers, and other added coverages.
Why a Boat Insurance Policy Lends More Protection
Littman Insurance agents get to know you and how you use your boat to create a policy that fits your needs perfectly. One question we always ask is where you moor your boat during season and where it’s stored during off-season. If they’re separate locations, we review the benefits of a standalone boat insurance policy, which generally provides broader coverage that is not limited by the boat’s location.
We also like to ask the primary usage of the boat (fishing, skiing, residence, vacation, etc.), where it is primarily used, and if it is trailered to other lakes, towns, counties or states. We also help you protect your content by learning about the types of items that are kept on the boat, like ropes, life jackets, fishing equipment, extra motors, and more. All these facts help us create a policy that covers every aspect of your boating experience.