Boat / Yacht / Personal Watercraft

While insurance for watercraft is not mandatory in many states and/or lakes, it is still very critical to at least include liability protection.

Judgments for accidents may be just as high as a high speed car accident. Contributing to high judgment awards are factors such as excessive speed, alcohol use, inexperienced operators, failure to obey Maritime laws and neglecting proper safety equipment. The lack of a requirement to carry insurance does not change the fact that you will still be held responsible for your actions. However, the presence of proper insurance will act as your financial backing and help pay expenses for which you become legally liable.

Start With a Free Custom Quote

Originally, I was not sure I wanted to move to a new agency since I thought my prior agent was meeting my needs. After sitting down with McMichael, I began to realize the thoroughness of what they had to offer. Their ability to dissect our existing coverages resulted in finding we were not covered properly in many aspects of our business. As a result, we moved our existing insurance coverage to McMichael Insurance. I highly recommend McMichael Insurance.
Mark Bassett

Cleveland, OH

Coverage Types

Boat & Yacht Insurance Streetsboro & Uniontown, Ohio
Emergency Towing
This coverage usually is inexpensive and covers you with any towing company. BoatUS coverage is very good but if they are not available, you should keep a backup coverage.
Speak with a Rep Get a Quote
Hull Coverage
1. Agreed Value

This is the most desired coverage that is a set amount as stated on the declaration page of your policy. This type of coverage guarantees that if your vessel is a total loss you will be paid the amount listed as hull coverage.

Note: If there is partial loss depreciation it will still be taken by the insurance company. This coverage is usually more expensive than the other types of coverage but is well worth the expense when you have an older vessel in today’s marketplace as it takes the guesswork out of a claim and also any subjective offers to settle the claim.

Personal Effects
Personal Effect is most like the contents coverage you have on your home policy. Keep in mind that everything that came with your boat or is attached permanently to your boat is covered under hull coverage, i.e.: carpet, cabinets, and appliances, etc. Much of what you have on board is also covered by you home insurance through your contents coverage away from home clause. Most policies automatically cover 10% of your contents coverage away from premises. You only need to carry a minimal amount of personal property coverage to cover what is kept on the boat at all times.
Speak with a Rep Get a Quote
Pollution Liability
In today’s society this coverage is a must. With the EPA and Coast Guard keeping an eye on all waters even a very small spill has the potential to cost the owner of a boat a lot of money. If your vessel should sink, you are responsible for the pollution caused by the release of gas and oil from the engines and tanks. Many of the older policies and policies provided by non-yacht companies do not provide this coverage. Check with your agent.
Speak with a Rep Get a Quote
Protection And Indemnity (Liability)
This coverage is one of, if not the most important coverage you can have. While a fixed loss, (the loss of your boat) will hurt you, a liability suit can have a permanent impact on your future. Nobody should have less that $1,000,000 coverage, the premiums are low and the coverage is immense. This coverage will provide you legal expense and in the event that you lose, will pay up to the limits of the policy. This is great for peace of mind.
Speak with a Rep Get a Quote
Uninsured and Underinsured Boater
Same as the coverage on your auto policy. This coverage will kick in if you or your vessel is struck by an uninsured or underinsured boater and you are injured. This coverage only pays for bodily injury, not for repair of your vessel, therefore you must keep hull coverage on you vessel.
Speak with a Rep Get a Quote

Other Insurances

Our Customers

Saved money on car insurance!
Robert Wallerstein
Robert Wallerstein
13:42 14 May 24
Sherry Barnes was great and super helpful. Very informative and professional and answered all questions.
Diana Lopez
Diana Lopez
13:39 30 Apr 24
Great customer service!
Roberrt C
Roberrt C
22:00 18 Apr 24
I have been with McMichael Insurance for many years. Great service. Faith Recchion is my go to agent.
Cheryl DeCavitch
Cheryl DeCavitch
18:30 17 Apr 24
Sherry has been wonderful in finding me the best and most affordable insurance coverage! Terrific company!
Donnamarie
Donnamarie
14:01 17 Apr 24
We received great service.
Dave T
Dave T
13:58 17 Apr 24
Dennis McMichael is expert in the field of insurance; he knows the details and applies them to the best interest of our family: understanding our needs and applying solutions is a skill set he has and I don't. This seems like a simple problem but its not. One has got to TRUST the judgement of one's agent: fully and completely. In this regard Dennis, and the McMichael team are the best in the business in crafting packages to meet needs. In our case it is a package of home, auto, health, and umbrella policies which interact to provide an effective shield against disaster and improve day-to-day living. Over time the team has helped us make changes to improve our evolving coverage requirements. The McMichael team are always ready to answer questions and provide suggestions; mostl importantly, we are never alone.
Thomas Mlinar
Thomas Mlinar
14:28 16 Apr 24
Great Experience with Dennis. Was able to save us a significant amount on our insurance. We were also able to increase our coverage, and still have savings versus what our current insurance company was charging. Will definitely be referring business to them.
Mary Bezzeg
Mary Bezzeg
13:51 16 Apr 24
I have been dealing with Faith Recchion at McMichael Insurance. Her communication has been very professional and response to all inquiries has been in a timely fashion. Found me the best rates for home and car year after year.
Greg Pastor
Greg Pastor
22:01 02 Apr 24
Best insurance experience I have had!I love that they send you a video of their proposal and explain everything!Not too bad that they found me the best rates as well!
Tony L Orth
Tony L Orth
23:43 01 Apr 24
Have been a client for decades. Never will choose another company.
Tara Centea
Tara Centea
20:44 28 Mar 24
Dennis was incredibly helpful and efficient in helping me get in contact with my insurance adjuster. He responded immediately to my concerns and was friendly and understanding of my frustration. He went to bat on my behalf and got results immediately. Thanks Dennis!
Sarah Jeppesen
Sarah Jeppesen
03:10 28 Mar 24
I really appreciate their help and orientation, they take the time to answer all your questions and overall, it's a great option to get your insurance from!!
Juan Rivera
Juan Rivera
19:21 23 Mar 24
Great attention and willingness to help find the best option for me!
Antonio Rivera
Antonio Rivera
18:16 13 Mar 24
Wonderful to work with! I would highly recommend!
Ashley Hendricks
Ashley Hendricks
17:55 12 Mar 24
My customer needs have always been exceeded in working with Dennis McMichael. His experience is such a plus and I always feel protected with the best possible insurance solutions to needs. He is prompt and follows up on everything. At the same time, I have always saved money in working with his business relations! Dennis McMichael is old school and truly believes in follow up.
Terry Stilla
Terry Stilla
12:01 12 Mar 24
Sherry is absolutely amazing! She went through all of my policies and found the best matches for my needs and saved me money! She was very thorough, knowledgeable and got back to me quickly. 10/10 recommend!
Tiffany Yanulaitis
Tiffany Yanulaitis
13:56 07 Mar 24
McMichael Insurance works hard for their clients. Any and every time I called with a question or statement, they answered it promptly. They all were very helpful. The office staff was interested in in the client as a person as well. My wife and I are very pleased with McMichael Insurance.
Dan and Lisa Fouser
Dan and Lisa Fouser
21:35 01 Mar 24
Working with Kathryn and Brian made the switch to McMichael simple and flawless. They took the time to explain things we didn't understand and to make sure we had the coverage we need. My favorite part about working with McMichael Insurance is the additional benefits like online training, tips, tools and webinars that ensure my staff is up to date on current policies and trends that could affect our small nonprofit in Columbiana County.
Chaney Nezbeth
Chaney Nezbeth
13:37 01 Mar 24
Faith was wonderful! Found me the best deal on the market. Thanks!
Marcus Still
Marcus Still
18:46 28 Feb 24
always very helpful at answering questions and resolving issues on telephone the first time.
Harold Redman
Harold Redman
16:41 19 Feb 24
The service and expertise Sherry provided was amazing. She really worked hard to find us/get us the best quote! Really pleased to change carriers and to now work with McMichaels.
Joshua Ralston
Joshua Ralston
18:28 15 Feb 24
Dennis was so helpful and patient! He took time to answer all my questions and made sure I understand all the coverage changes I wanted to make. I appreciate all of his help and going out of his way to assist me in setting up my new insurance! So thankful for a caring company!
Alyssa Nagy
Alyssa Nagy
16:41 15 Feb 24
Dealt with Debbie, Brian and Dennis on multiple policies. Excellent service. Subject matter experts in the field. Difference between them other past agents, was that they asked questions on things I didn't even know to ask to ensure I was properly insured with proper amounts. Understood my needs. Having been through the Hurricane experience, I understand the importance of good policy/companies. Many INSUR companies will take your money but won't pay out or support you when times comes. Fortunately, in FL, I had great INSUR company. My point? Definitely want educated agents who are experts and honest. Hands down, best service I ever had, and I was with USAA for 27 yrs. Thank you and appreciate excellent customer service. Definitely recommending them to my family and friends.
Sonny Veteran1
Sonny Veteran1
15:55 15 Feb 24
the coverage they found me was apples to apples to the former company i had at half the cost. A 50% savings a year is a great help pushing retirement years. Thanks again McMichael Insurance.
John Gerard
John Gerard
14:53 13 Feb 24
Sherry was great to work with and very knowledgeable about the products and recommendations. I highly recommend her and McMichael Insurance if you are looking to get the best service and price.
john brown
john brown
14:20 12 Feb 24
Sherry is a very knowledgeable and pleasant person. I could not have asked for a better resource for my insurance needs. Thanks.
Rod Reamer
Rod Reamer
13:03 09 Feb 24
Absolutely best company around!
Ashley Teeple
Ashley Teeple
19:33 07 Feb 24
They make things easy
Pat Minotti
Pat Minotti
14:38 07 Feb 24
Agents are always pleasant and helpful and are available to answer questions. There were no issues with my most recent claim experience. I would recommend McMichael Insurance for all your insurance needs.
April Woodland
April Woodland
21:21 04 Feb 24
I needed to get some new quotes and Faith at Mcmichaels went above and beyond at getting me what I needed for insurance. She listened to me and it was a pleasure to work with her.
John Seaburn
John Seaburn
22:42 01 Feb 24
McMichael Insurance has helped me with my insurance needs for home, auto and watercraft for many years. Whenever I need assistance, I always find them to be kind, professional and thoroughly knowledgeable. They communicate well and follow through with their commitments. I greatly appreciate the partnership we’ve built over the years.
Scott & Jeri Clark
Scott & Jeri Clark
14:59 01 Feb 24
I've used McMichael for about 20 years now. They have always gone above and beyond to make sure my questions are answered, and I have the appropriate coverage.
Dan Kort
Dan Kort
02:49 01 Feb 24
Sherry is great to work with. Patient and very knowledgeable.
YOUR DENTAL HYGIENIST
YOUR DENTAL HYGIENIST
14:38 29 Jan 24
Sherry was very helpful through the process and helped us secure insurance for our investment property on such short notice. Thank you
One Family One Home
One Family One Home
15:43 24 Jan 24
Can't thank enough to Mark for helping me with the perfect home insurance which is cost effective and covers everything I was looking for.Thanks.
Samir Hasan
Samir Hasan
14:54 22 Jan 24
We have held our insurance (home, auto and life) through McMichael Insurance for quite a few years upon recommendation from our financial advisor. They are not only honest and helpful but empathic and relatable. Over the years I have had various insurance questions and concerns, and never once have I hesitated to call them. I never feel rushed or leave the conversation feeling like I didn't have my question answered. They are patient as well as reliable. Most recently I have had to file a claim and Dennis was more than willing to take the time to walk me through the process as well as offer personalized advice on the details of how to handle things going forward. I even received a follow up phone call today checking to make sure the process was going smoothly. I couldn't ask for any better service and would highly recommend McMichael Insurance.
hon350
hon350
00:56 19 Jan 24
Excellent communication and response
James Scoby
James Scoby
14:14 18 Jan 24
They got me a great policy with a wonderful price!
TROY TOMCZAK
TROY TOMCZAK
22:29 17 Jan 24
A wonderful experience, wish it were free . . .
William
William
15:22 11 Jan 24
I feel that Dennis did a wonderful job he was able to negotiate me a really good price on my insurance.
Rochelle Ford
Rochelle Ford
14:27 09 Jan 24
Sherry was so nice! Fantastic! Highly recommend.
Kelly Ward
Kelly Ward
14:31 08 Jan 24
Sherry was wonderful at finding me the best rate with the most coverage. She was very friendly and prompt with the contract. I highly recommend McMichael.
Renee Davidson
Renee Davidson
14:15 27 Dec 23
Dennis McMichael and Melissa Carr are exceptional. They helped me to navigate through all of my changes. When I left a message I was promptly called back. Great Company & Great people.
John Mcmahon
John Mcmahon
17:42 21 Dec 23
Best insurance! They were able to provide me good home insurance. Recommend Sherry Barnes
Sohee Moon
Sohee Moon
20:15 18 Dec 23
The most amazing service and staff!!!
Michael Mariana II
Michael Mariana II
14:54 12 Dec 23
Sherry Barnes at McMichael Insurance was most helpful in finding home and auto insurance that met our needs and budget. She not only found much better coverage than our previous policies but premiums that are substantially less than what we have been paying. We are glad we contacted McMichael Insurance.
Chip Lago
Chip Lago
18:26 11 Dec 23
Great to work with Sherry!
Kirk Manton
Kirk Manton
14:48 07 Dec 23
Dennis McMichael is an excellent insurance agent that works exclusively to help his clients save money and receive the best coverage available.
Don Garrini
Don Garrini
20:58 06 Dec 23
Dennis and the staff were very thorough and professional and they seemed genuinely interested in my satisfaction. I would highly recommend them for all your insurance needs.
Tom Scudiere
Tom Scudiere
19:23 28 Nov 23
I have been with McMichael for many years now and they have always taken care of my needs. Debbie Craft is amazing to work with. I spent over an hour on the phone with her asking question after question and she never tired. She never gave the sense that it was time to move on to the next customer. She followed up when she said she would and delivered just as she said she would. She saved me over $1,000/year. Extremely pleased customer here.
Don Giddens
Don Giddens
16:58 26 Nov 23
My insurance agent was unavailable-so glad Debbie Craft took my call!. After hearing that my hail damage claim was rejected, she immediatly put me through to her superviser who came to my home to discuss the claim. Thanks to Debbie's initial intervention, I ended up receiving a substantial sum. She also got me a fantastic deal on insurance for my antique car. In both cases her actions were imediate-effeciency should be her middle name!
stew langenbeck
stew langenbeck
17:44 21 Nov 23
We have had insurance with them since the 1990's.
Janice Miller
Janice Miller
14:35 21 Nov 23
Thank you for staying on top of my policies and your easy professionalism.
Robin L. Brower
Robin L. Brower
15:07 17 Nov 23
Dennis and Dawn are amazing to work with. One hopes to never need to file an insurance claim but when it is necessary, I would not want to have to navigate the situations without an advocate! For example, on one occasion, I was rear-ended on the freeway in Columbus during rush hour. When I called the police, I was told that since the vehicles were drivable, no officer would be dispatched. Not knowing what to do, I called my insurance agent, Dennis. Dennis talked with both the other driver and me to document all the necessary information to file the claim. Who does that?? Well, MY insurance agent does that!!And Dawn is a problem solver! When our mortgage was sold to another company, there was a lot of confusion between the banks and our insurance premiums were paid to the wrong bank. Dawn spent a lot of time working through those details to clean up a mess that wasn't of her doing!People will often tell me that they like buying insurance directly without using an agent. For me, that's not an avenue I wish to take. I want the benefit of knowing I have a group of people ready to intervene when (not "if") life happens!
Kim McNamara
Kim McNamara
21:30 16 Nov 23
Sherry Barnes at McMichael Insurance is just superb. She’s attentive, knowledgeable and very friendly. Im now paying HALF of what I was paying for home and auto insurance!
Stunt Cat
Stunt Cat
15:02 16 Nov 23
worked with Sherry. after several phone calls/emails, I ended up buying new policies via her. Saved some $ vs. auto renewal with another mainstream insurance company.
David Chen
David Chen
15:32 15 Nov 23
Very responsive
Jeremy Rentz
Jeremy Rentz
14:14 15 Nov 23
I'm a new customer with McMichael Insurance, transferring from a long-standing relationship with another agent. Making the switch to McMichael's was difficult because of my prior relationship with my tried-and-true agent, but had to be done due to shifts in the market and our needs. Dennis worked with me so thoroughly and with such empathy and patience that I felt I was moving from one caring agency to another. I felt understood and held very competently by Dennis and his team. A big thanks for helping us on this new journey!!
Dave Schrader
Dave Schrader
17:14 14 Nov 23
Professional service . Excellent!!
Benoy Michael
Benoy Michael
15:58 13 Nov 23
Brian was very attentive, delivered exactly what we were looking for!
joel orellana
joel orellana
14:24 13 Nov 23
New client. JimGreat experience!
Greg Theirl
Greg Theirl
14:28 10 Nov 23
It is always a pleasant experience working with the McMichaels. They explain everything thoroughly and there is never any pressure.
Ginny Curran
Ginny Curran
21:13 09 Nov 23
Sherry is very friendly and extremely helpful and knowledgeable.
Martin Carlton
Martin Carlton
17:21 08 Nov 23
All my questions are answered quickly and expertly. Their advice has always proved to be trustworthy. They are kind and eager to be helpful.
Sheryl Buckley
Sheryl Buckley
21:26 02 Nov 23
McMichael Insurance has provided our company many years of exceptional service. The whole team at McMichael Insurance has been outstanding. Kathryn Wolf (Senior Mgr),our Acct Mgr, and has been nothing but superb. You will be more than satisfied with the quality of service this agency provides.
Jeff Judd
Jeff Judd
19:27 31 Oct 23
Dennis is super quick to respond and very helpful! A+ in my book! He is definitely in my "CIRCLE OF TRUST" when it comes to professionals!
J M
J M
19:11 30 Oct 23
Sherry was very helpful and charming with getting our home and auto insurance set up. We appreciate her hard work and look forward to working with McMichael Insurance.
Joe Howell
Joe Howell
16:26 27 Oct 23
Sherry was incredibly helpful in explaining all options and coverages. She even took time to give suggestions based on best possible value. I couldn't be happier with the coverage she found me.
Jared Markwald
Jared Markwald
20:13 18 Oct 23
Great prices on insurance, helpful and friendly customer service !!
Roger RogerM
Roger RogerM
16:46 17 Oct 23
I like dealing with an agent vs. a website andSherry did a great job setting up insurance for my car.
Thomas Pawlik
Thomas Pawlik
13:47 12 Oct 23
If I could rate in half stars, I would say 4.5 stars. Sherry was professional and found a good deal on my bundled insurance. Would recommend.
Daniel Kopinsky
Daniel Kopinsky
22:21 11 Oct 23
I have been with them for years. Excellent people. They have always taken good care of us. They don't play games and sell you stuff you don't need. Very honest, fair, and knowledgeable, so why go anywhere else? Thank you!
Michael Decker
Michael Decker
23:30 06 Oct 23
Everything I needed and more! This company is amazing and they make amazing things happen!! Will be using for a very long time!
McMichael Insurance saved my husband & I thousands of dollars on insurance for our home, vehicles and farm compared to our previous provider. Their staff is very professional, friendly & knowledgeable. I would & have recommended them to friends & my own real estate clients.
Darlene Kearney
Darlene Kearney
21:34 04 Oct 23
Although I haven't had any issues to require me to utilize the insurance, I am very pleased with the communication and setup process Sherry walked me through. Honestly, she did all the hard work. Very appreciative for her making the homeowners insurance (and car insurance) process a breeze while I was busy working on buying a home.
Kate Macko
Kate Macko
16:02 03 Oct 23
Sherry was very professional and courteous took really good care of me and got me the best deal
Jamie Fleming
Jamie Fleming
15:12 26 Sep 23
I had a great experience working with Dennis throughout the entire insurance process as I had 3 policies up for review. He promptly answered any questions and suggested some great changes. I received a double benefit: better coverage at a significantly lower cost. The whole staff is top notch and handles changes quickly and professionally. I highly recommend McMichael Insurance for all your insurance needs. 5 stars!
J Stach
J Stach
01:53 26 Sep 23
Working with Dennis has been such a great experience! He called right away when I sent in an online request for information and answered every single question. Dennis saved us so much money with MORE coverage! I am so glad that we found McMichael Insurance. I highly suggest them to anyone and everyone I talk to now. Call them now and see what they can offer for you!
Jessica Boyer
Jessica Boyer
13:14 13 Sep 23
js_loader

Get a Free Quote

More Options. More Savings.