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:
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.
Coverage Types
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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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.
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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.
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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.
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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.
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Speak with a Rep Get a Quote
Other Insurances
Our Customers
Dennis is absolutely a true consummate professional. He really did a deep dive and pointed out many aspects for improved insurance coverage opportunities while saving me money. I highly recommend!
Josh Leeser
18:57 05 Jun 23
We are extremely happy in working with McMichael Insurance. We had been with another company for years and once we inquired about information and received our quote - there was no turning back. The customer service is simply amazing!!
Amy Barbisch
16:13 24 May 23
Very pleasant to work with made you feel they cared
Michael Fessler
01:05 19 May 23
Excellent experience with this agency. Kristen Jordan is so personable and knowledgeable about insurance options. It was truly a joy to work with her in obtaining better insurance coverages for both my home and automobiles. I highly recommend this agency, and especially agent, Kristen Jordan.
John Baumgardner
15:45 18 May 23
Michelle provided outstanding service and assisted me with substantially lowering my insurance costs.
Adrian Gore
19:10 16 May 23
I would like to recommend McMichael Insurance once again this year with Josh contacting me during the Medicare enrollment period to see if there were any issues with my current Medicare plan and also if I was satisfied with my Supplemental plan and we reviewed the costs and the services provided with the plan and we decided to remain with the same Medicare and the same Supplemental plan. There are not too many insurance companies that reach out and also have a service to provide help with Medicare and associated plans.Keep up the great job and the customer service.I had two great experiences with McMichael Insurance. One, I worked with Josh on Medigap insurance. He spent the time to go through all the plans and explanations on the plus and minus of the pertinent ones. He was very helpful.The second was with Mark regarding an auto and home policy review and a suggestion for a Hagerty policy for my sports car. Great recommendations.Keep up the good work.FrankWe have again had superior customer service during the past year with McMichael Insurance and they always keep us updated with their communications and with their e-mails with "things to consider" with both home and auto insurance.I have always received a quick response to my calls and the staff has always been helpful.Continued success during the year.I had a great experience working with Tammy about some questions that I had regarding adding a young driver to a policy. She responded quickly by phone and we had a great conversation and it was obviously she had a ton of experience and provided all the answers that I needed. She was very personable and it felt like I had known her for years.Another great experience with the agency.5-7-23I can't express how satisfied I have been with McMichael Insurance through the years. I have been a customer of McMichael for many years and have several relatives that are also customers and have been with the agency for as long as I have been.I am always contacted as my insurance is due to renew and we review the new rates and determine if there is a need to review my policy with other potential carriers for possible savings for comparable coverage.Great customer service and great follow-up to any questions or concerns. Keep up the great work.
Frank DiMauro
03:38 07 May 23
Very easy to work with and very helpful!!!
Doug
13:31 02 May 23
They made it easier to understand what coverage is available, went thru great detail to know what I would receive and was very efficient helping set up the policy. Highly recommended!
Deborrah Beckett
01:29 29 Apr 23
Dennis was awesome! Helped me get insurance for my home and drastically reduced my auto insurance while offering more coverage. Would absolutely recommend!
Caljac
19:16 25 Apr 23
A wonderful experience, wish it were free . . .
William
19:32 21 Apr 23
One call saved me literally hundreds of dollars. Home and Auto with a company and agent I can fully trust.
Judy Martin
02:13 19 Apr 23
Smooth, easy, fast, amazing customer service! All questions and concerns were addressed, prompt service I would definitely recommend to all!
Nelli Ali
14:59 13 Apr 23
Kristen J. was great to work with! Found me lower rates for home and auto (cheaper than I was finding on my own) and made switching carriers quick and easy. Thanks Kristen!
Gene Stefanov
14:22 13 Apr 23
Kristen is great! Knowledgeable, professional, and friendly! I will definitely work with her again when I need future insurance quotes!
Jason Smith
14:16 13 Apr 23
Michelle is a Godsend! I had spent a couple weeks researching quotes for home and auto insurance. Everything I came across was way more than what I was paying. Michelle called me, and said “baby let me work my magic”, and she did! She found great rates for me. She’s the best agent I’ve ever worked with. I feel like she’s been a real friend, and I’ve only known her for a short period of time. She makes sure every question is answered, she’s professional, she responds immediately, and she will take care of you. I’m confident that you would be pleased with her service too. I’d recommend her to anyone that’s looking for insurance to contact Michelle at this company. Ten stars!
Deanna Artis
22:32 12 Apr 23
The McMichael Team is always professional and friendly. Dennis has been a great help anytime we have had any questions or concerns about either of our policies. His knowledge, advice and timely response is very much appreciated. Josh was very patient and informative when helping my husband through the daunting task of signing up for Medicare last year. He even touched base with us this year to make sure the plan we chose was still working for us. Thank you!
Michele Birklund
21:29 12 Apr 23
Great service, very responsive, professional, and amazing value.
Mina Lobbous
02:06 04 Apr 23
My experience with Kristen was great 👍! She was able to get me a wonderful rate for car and renter's insurance. She is very professional and caring. I would recommend her to anyone.
Betty Valentine
15:15 27 Mar 23
Aways Helpful and Pleasant.
Bob & Mary Jirousek
17:42 19 Mar 23
Dennis worked with me to find home & auto insurance that fit both my needs and my budget. He saved me a lot of time and the aggravation associated with vetting out insurance companies on my own. Working with Dennis was a pleasure.
Robert Melchiorri
15:19 09 Mar 23
Very proffesional , knowledgebal , attention to details . Hard to find those days
Ekaterina Varley
17:56 08 Mar 23
Explained very well and quick.
Bigboss
14:27 02 Mar 23
McMichael insurance is the best I have dealt with in 30 years!And Kathryn is an amazing client manager! She is not only great at her job, but she is the funniest client manager also. If you ever get a chance to deal with her, look out cause she has some one liners that will have you rolling on the floor in stitches! Her humor takes the pain out of dealing with the arduous task of commercial insurance.
Adam Csongedi
15:53 01 Mar 23
Great communication and follow up. This was a simple and painless process!
Brad Denning
22:59 22 Feb 23
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
01:41 17 Feb 23
Love working with Michelle. She has made everything so easy!
Yale Goldberg
22:29 15 Feb 23
My company BanaPlus transport Corp. working with McMichael insurance for over 3 years we had the best experience with them during the past 7 years in the trucking business. Thank you
Hani Salameh
22:40 10 Feb 23
Best things for me has been working with Michael and of course pricing was great and he made the transition very easy and timely
Rick Hoddinott
16:08 09 Feb 23
Ms. Kristen Jordan is the best! She found us a better insurance plan and saved us money. I will definitely share her info with my friends.
natasha belmo
15:11 09 Feb 23
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
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
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!
Catherine Loiacono (Cat)
17:29 25 Jan 23
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
15:42 20 Jan 23
Great experience
Jacinta Barfield
14:32 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
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
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
15:14 29 Dec 22
Fantastic experience
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
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
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
15:23 12 Dec 22
Getting auto and homeowners insurance was extremely fast and easy.
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
20:06 03 Dec 22
Extremely helpful and absolutely great prices!
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
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
14:18 11 Nov 22
Kristen was great, she found a bundle insurance that lowered both my home & auto insurance!
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
00:31 04 Nov 22
Excellent
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
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
19:43 22 Oct 22
Just sign up home and auto policy with them. Good experience so far.
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
13:35 20 Oct 22
Very polite and professional and got me just what I needed at a very good rate.
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
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
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
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
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
22:05 15 Sep 22
always very kind and considerate. Always the better price.ThanksGinny
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
14:08 12 Sep 22
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
16:34 09 Sep 22
McMichael insurance is right on the ball and they are very very helpful.
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
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
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
19:38 30 Aug 22
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