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.

Here are a few important coverages to consider:

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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.
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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.
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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.
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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.
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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.
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Other Insurances

Our Customers

Absolute a great insurance agency all around. I have been in the transportation industry since 2008 and have experienced my fair share of decent insurance agencies, but you cannot go wrong when selecting McMichael Insurance. They are extremely knowledgeable, provide outstanding customer service, quick to resolve any last minute issues, and the list truly goes on! I highly recommend and plan to be with the McMichael Insurance organization for the duration of my time in transportation. Give them a call, ask for Kathryn Wolf, she’s my agent, and I promise she will not disappoint! FIVE STARS ALL THE WAY WITHOUT HESITATION!
Jermaine Roller
Jermaine Roller
22:06 01 Feb 23
Saved me so much!! Kristen was awesome and got me exactly the coverage I needed at a great rate.
Chris Just Vape
Chris Just Vape
15:16 31 Jan 23
Had a great experience with Kristen Jordan. She found a much better rate on both my auto and home insurance. The process was very smooth and stress free. Definitely recommend!
Kristen at McMichael Insurance was very helpful and met all of our needs. She went over and beyond to help us find the best rates . I would recommend her to anyone, a great person to work with and company thank you for all of your help.
Lisa Diamandis
Lisa Diamandis
15:42 20 Jan 23
I am so happy with my new insurance that Kristen Jordan found for me and my son. Kristen took her time and due diligence to find the best deal out there for me and my son. I highly recommend her and the company to anyone in the market or anyone looking to lower their insurance payment. She is the best of the best!!
Kellie Hensley
Kellie Hensley
20:44 13 Jan 23
Recently, McMichael reviewed our insurance needs and proactively moved us to Hanover Insurance as our previous carrier was moving rates upward. The transition was seamless. Dennis was quick to show us that the coverage was the same and the cost would remain in line. The young lady who was assisting Dennis was so professional when I had questions on the premium payments. They take all the worries out of our needs. Thanks again for all your agency does.
Stephen Banashak
Stephen Banashak
14:37 10 Jan 23
If I could give 6 stars I would! We were in the middle of a move and had to quickly switch companies. One phone call to McMichael Insurance company and our problems were solved. They find the best rates. Michelle Mclean is awesome.
Jo Hagy
Jo Hagy
15:14 29 Dec 22
Fantastic experience
Shakir Shakioye
Shakir Shakioye
14:44 22 Dec 22
We worked with Kristen Jordan and she was awesome!! She found us the best coverage for our home and cars and saved me countless hours of research She is incredibly knowledgeable about all types of insurance and the coverage needed Thank you for helping us and for saving us lots money!!
Amy Linneman
Amy Linneman
20:02 14 Dec 22
Kristen Jordan, thank you for going the extra mile for us, your professionalism and years of experience are appreciated. We are glad we found you! Please add us to your loyal clients list. Best.
JM
JM
14:35 13 Dec 22
The whole experience was awesome! Kristen is top notch in helping you save money with the best coverage. Highly recommended!!
DJ McKinzie
DJ McKinzie
15:23 12 Dec 22
Getting auto and homeowners insurance was extremely fast and easy.
Jason T.
Jason T.
14:06 09 Dec 22
OMG Ms Jordan is a godsend, she crunched some numbers and got me in a policy that was twice as good as my previous policy and saved me almost half of what I was paying. Whoa who. Thank you
Wanda Worsham
Wanda Worsham
20:06 03 Dec 22
Extremely helpful and absolutely great prices!
rebel malm
rebel malm
15:12 18 Nov 22
Michelle was so much help with our insurance needs. SheWent above and beyond!! She save us so much money, we got better policies for less money, and personal caring service.
Mary C
Mary C
15:36 11 Nov 22
10/10 Recommend the Whole McMichael Team are fast professional and made sure to take care and adjust my policies to my specific needs.
Streets boro
Streets boro
14:18 11 Nov 22
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
Ron Borchert
14:01 09 Nov 22
Kristen was great, she found a bundle insurance that lowered both my home & auto insurance!
Betty Cason
Betty Cason
14:54 04 Nov 22
Kristen was very easy to work with and made every effort to make sure that we received the best quote. She saved us a ton of money!! Would highly recommend.
Fred Upton
Fred Upton
00:31 04 Nov 22
Excellent
Suresh P
Suresh P
13:23 27 Oct 22
Professional, fast and friendly, and we now have 4X our previous coverage at a cheaper rate! I have nothing but good things to say about McMichael Insurance and my experience with them thus far.
Eric Zierer
Eric Zierer
13:19 25 Oct 22
I had Michelle McMicheal she was very friendly. She helped us find the lowest rates, provided the proper information that was needed. She was alway available for questions and concerns.
Lakeisha Mckinnie
Lakeisha Mckinnie
19:43 22 Oct 22
Just sign up home and auto policy with them. Good experience so far.
Liping Liu
Liping Liu
15:12 22 Oct 22
I had a great experience! Within an hour, they were able to get me a cheaper rate on my car insurance! Kristyn was really on it!
Jenna Taylor
Jenna Taylor
13:35 20 Oct 22
Very polite and professional and got me just what I needed at a very good rate.
Darrell L Scott
Darrell L Scott
14:13 13 Oct 22
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
19:14 30 Sep 22
The most reliable, professional, honest and caring business you can find in the area. I highly recommend them!
Olya Dobro
Olya Dobro
19:24 29 Sep 22
Kristen was AWESOME! She was so helpful. Quick to answer my emails, and just so pleasant to work with! Helped me get a great rate for 2 cars, one being for a teenage boy! Thank you Kristen!
Leah Salata
Leah Salata
13:17 28 Sep 22
Very please with the service and the price. Kristen Jordan (agent) I worked with was very profesional and very helpful. I’m very please with the service.
Melvin Velasquez
Melvin Velasquez
13:18 19 Sep 22
Michelle, at McMichael Ins, is one of the most amazing people I've met on this journey in purchasing our home. She had absolutely nothing to do with the purchase, only the home owners ins, yet she talked with me. Let me vent and rant about my frustrations and just made my experience a much better one.
Sandi Ambrose
Sandi Ambrose
22:05 15 Sep 22
always very kind and considerate. Always the better price.ThanksGinny
Virginia VanHoose
Virginia VanHoose
16:21 14 Sep 22
Brian was great to work with. He took care of all my questions and got me a cheaper rate for the same if not better coverage than I had. Highly recommend Brian and McMichael insurance company. I appreciate all your time and effort you all gave me !!
Rick Donaty Jr
Rick Donaty Jr
14:08 12 Sep 22
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
CaleHeintz
16:34 09 Sep 22
McMichael insurance is right on the ball and they are very very helpful.
Willadean Vorisek
Willadean Vorisek
14:08 07 Sep 22
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates
Brenda Gates
18:14 03 Sep 22
Our experience has been incredible! Everyone is quick to help, explains anything we don't understand, and set us up with a plan that saves us a great deal of money. They make it clear that their goal is actually to help and not just to make money off of us. We highly recommend their services!
Christina Protsman
Christina Protsman
17:51 03 Sep 22
If you like to save money and appreciate good customer service, this is the company for you!I recently made the switch thanks to Kristen and the team at McMichael Insurance, after my previous insurance company doubled our policy price to add my teenage driver. Kristen was very patient with me as we discussed which coverage options would be best and the most reasonable financially. She made herself available to answer even the simplest of questions to ease my mind about the process of switching companies.I am happy to report that we came out with better coverage than our previous company for a much more reasonable cost. Thank you Kristen!
Shannon Williams
Shannon Williams
19:38 30 Aug 22
The service and productos provided were better than expected. I gladly give 5 stars only in absence or inability to give 10 stars ⭐️
Antonio Torrico
Antonio Torrico
15:32 24 Aug 22
The most nicest insurance agent I have ever met so caring and informative thank you..
Sun Man
Sun Man
13:29 24 Aug 22
She sent me the quote first and didn’t ask the same questions over again. She was very patient and explained and shared her own experience.
NaSreen Nazamyar
NaSreen Nazamyar
14:14 22 Aug 22
My experience with this company, Kirsten in particular, has been wonderful. I have never dealt with an insurance agent before that it's so knowledgeable and yet kind enough to keep customer's best interest in mind. She also saved me significantly over my previous companies whom I had been doing business with for over 10 years. Give them a try and you will not be glad you did. Thank you!
Umer Khan
Umer Khan
13:19 18 Aug 22
It has been great working with Kristen at McMichael Insurance. She was able to save me over $500.00 a year on my automobile insurance and with better coverage. She answered all my questions quickly and professionally. She made it so easy to switch insurance companies.
Shelly Trump
Shelly Trump
16:51 15 Aug 22
They’re clearly knowledgeable & very quick to respond. Made getting a new policy very easy.
Megan Zavodny
Megan Zavodny
19:47 09 Aug 22
Always so appreciative of Dennis and his team. We've been part of the McMichael family for almost 20 years. Great communication, responsiveness, and attention to detail. Best decision we've made!
David Smith
David Smith
16:44 06 Aug 22
I am always so impressed with everyone at McMichael Insurance! It is so clear that they care about all of their clients.
Casey Nelson
Casey Nelson
23:19 05 Aug 22
Dennis is a total pleasure to work with, a true professional.
Tom Kasicki
Tom Kasicki
14:30 04 Aug 22
Helped me get a lower car and home insurance price. They answer your questions quickly and make getting insurance seem like a breeze. Thanks so much!
Emily Zion
Emily Zion
18:06 31 Jul 22
So we were being ripped off by other insurance companies and McMicheals had us insured for half the price we were paying! They also are people you can talk to, not some corporation where you call a 1800 number, I have my own personal agent, and I can call her anytime. What a difference! I won’t be leaving their agency anytime soon! Kristen is the best!
Ricardo ramos
Ricardo ramos
22:47 29 Jul 22
Kristen was extremely helpful with providing my family with the best insurance options for us. Her insurance knowledge and real world experience sets them apart from the others.We switched our auto policy’s and home policy from State Farm to McMichael Insurance.
Steven Morabito
Steven Morabito
15:13 25 Jul 22
My agent Michelle was wonderful
shar bear
shar bear
22:27 19 Jul 22
Working with Michelle was excellent experience. Her regular feedback and quick response time to my random questions was reassuring and greatly appreciated. I will be working with her again for my future insurance needs.
Babatunde Onadele Jr
Babatunde Onadele Jr
16:08 15 Jul 22
Prompt and friendly service
joe bazelides
joe bazelides
00:13 15 Jul 22
Always great to work with and very helpful!
Julie Molnar
Julie Molnar
17:38 14 Jul 22
What a great experience! Shopping for insurance can at times be worse than going to the dentist! However, working with Kristen at McMichael Insurance was such a different experience! She quickly and non obtrusively sent me a quote and follow up via email, as I requested when I started looking. I hate getting bombarded with those annoying phone calls and non stop texting messages that nearly every other company used saying they had my quote ready, but I had to call them to get it. That was not the case with McMichael Insurance, I received an email with my quote attached and a nice and simple response saying that if I was interested they would be happy to help me with finding the right insurance. They most certainly did, saving us a considerable amount of money while improving upon our coverage for our home and auto policies. So unlike that trip to the dentist, the experience of shopping for new insurance was an absolute pleasure with McMichael Insurance and especially with Kristen. I would highly, highly recommend that anyone in need of insurance or even just looking to compare current policies contact Kristen to discuss what she can do for you. You might find yourself as surprised as we are with the savings she found for us, but even more so with the way she goes about communicating with you in doing so. Great Great Experience!
Cary Schreiner
Cary Schreiner
11:57 13 Jul 22
McMichael Insurance made the process of switching insurance companies during a move carefree! Abbey took care of everything and was easily accessible when I needed to talk to her. I believe she found the best auto-condo rates and I am set even before I make my move. Now to deal with the cable company, which is a completely different story!
Doris Mullins
Doris Mullins
15:10 12 Jul 22
I have been with them for 20+ yrs.They go above & beyond to find the best deals & rates. I love their website & the convenience of paying online & having documents & everything electronic. Their website is very user friendly too. 😉
J J
J J
10:21 09 Jul 22
Kristen was great! She was able to lower my rates on car insurance by over $100 per month! And on homeowners by more than 50% with twice as much coverage!!! Amazing service and support! Thanks so much!!!
J.R. Williams
J.R. Williams
14:19 24 Jun 22
Have been a loyal customer of McMichael’s for well over 35 years. There service is well beyond the normal company and I would never think of changing and would recommend to all
Dan Goodhart
Dan Goodhart
18:22 16 Jun 22
My experience with McMichael Insurance has been excellent. Kristen have been very helpful and responsive to my questions.Matt Steed
Matt49
Matt49
14:16 14 Jun 22
Been with McMichael for 15 years. Always great customer service. Have and continue to recommend them.
Fran Leck
Fran Leck
10:52 10 Jun 22
Kristen from McMichael helped us save substantial dollars on our combined home and auto insurance. She was very hands on and consistently in contact as we looked for, applied and secured insurance for 1 home, 1 lake cottage and 4 vehicles. So far a great experience.
Dave Boothe
Dave Boothe
15:07 07 Jun 22
Great service! Michelle has been so helpful and communicative throughout the process of choosing insurance. It was quick and easy, and I feel confident she is looking out for my best interests and getting me the best deal.
Kelly Ryan
Kelly Ryan
14:53 02 Jun 22
When I first met Gerald McMichael and then had a follow up meeting including one of his team members, we discussed moving our business general liability insurance to McMichael Insurance. Although I was not sure I wanted to move to a new agency since the existing agency appeared to service our needs; I began to realize the thoroughness of what they had to offer. Their ability to disect 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. In summary, our rear building along with contents is now properly protected while it had no coverage previously; we upgraded other coverages to higher limits; and we reduced or elimited other areas where we had duplicate coverages. All in all, overall pricing was reduced with more realistic pricing for the varied coverages. In addition, they pride themselves by providing referrals. We already had a sit down meeting with a company for possible future work related to our industry that could bring more business our way. As can be seen, I highly recommend McMichael Insurance. Thank you.
Mark Bassett
Mark Bassett
20:17 01 Jun 22
Thankfully haven’t had any interactions recently. Safe driving on our end! But have always had excellent service with the McMichael agency. Friendly and efficient always.
MICHELLE RUDDLE
MICHELLE RUDDLE
15:56 25 May 22
Wonderful experience!!! Kristin was very helpful and I am so happy.
Kathleen Melendez
Kathleen Melendez
16:09 18 May 22
I had the pleasure of working with Kristen and she made switching my insurance so easy. She also helped me same money by finding the right provider for me. This is a great company to talk to!
95violator
95violator
03:31 14 May 22
Working with McMichael Insurance was a smooth transition process from my old insurance company. Great value for money.
Detoya Richburg
Detoya Richburg
14:16 27 Apr 22
I worked with Kristen here at McMichael Insurance and I must say she went above and beyond to find the best rate for me and my wife on our auto insurance. I would recommend 10/10 to anyone!
Bryce Sztary
Bryce Sztary
14:17 21 Apr 22
Abby was great to work with. Fast, efficient, answered all my questions and concerns and connected me with what so far is a great insurance company with reasonable prices, good reviews and a lot of included options that other companies do not provide. Bundled my truck, car, homeowners and rental property policies. Saved hundreds with better coverage. Highly recommend exploring options with them. They represent several different companies to get you competitive bids and plans.
Jake Miceli
Jake Miceli
15:49 18 Apr 22
Insurance can be overwhelming to deal with - especially when you are canceling coverage with one vendor and moving to a new vendor. McMichael Insurance (Abbey Griffor) helped make the process so smooth. Abbey helped us from start to finish, and even checked in a week after our coverage was placed to make sure we didn't have any questions. Also, our rates went down with the switch. I am completely confident in working with McMichael Insurance.
Abby Schofield
Abby Schofield
13:24 18 Apr 22
Excellent people who answer questions promptly and courteously. They save me time and money on insurance.
Jeff Seiger
Jeff Seiger
05:36 17 Apr 22
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