Boat & watercraft insurance
From fishing boats on Saginaw Bay to pontoons on inland lakes and jet skis, boat coverage can help with physical damage, liability if you injure someone or damage their property, and equipment like trailers, motors and fishing gear depending on your policy. We'll also talk through how coverage works during winter storage.
RV, motor home & travel trailer insurance
- Liability for motor homes on the road
- Physical damage for your RV or trailer
- Personal belongings you bring along
- Options for full-time RVers and seasonal campers
Motorcycle insurance
Michigan motorcycle insurance works differently from car insurance, including how no-fault benefits apply to riders. We'll explain liability, collision, comprehensive and coverage for custom parts and gear, so you can ride with confidence from May through October.
ATVs, side-by-sides & classic cars
Trail machines and off-road vehicles generally need their own policy — they're often not covered by your homeowners insurance once they leave your property. Collectible and classic cars may qualify for specialized coverage based on agreed value and limited use.
Recreational insurance FAQs
Does homeowners insurance cover my boat?
Homeowners policies usually offer very limited coverage for small boats and often no liability coverage for larger boats. A separate boat policy is usually the better fit.
Do I need insurance on my travel trailer?
While towing, your auto liability may extend to the trailer, but physical damage to the trailer and your belongings usually requires separate coverage.
Is my ATV covered by my homeowners policy?
Often only on your own property, if at all. Riding on trails or other land usually requires an off-road vehicle policy.
Can I insure a classic car?
Yes. Classic and collector cars may qualify for collectible auto coverage. Eligibility depends on the vehicle, its use and storage.
Do I need to keep my boat insured in winter?
Many owners keep coverage year-round because storage risks like fire, theft and falling objects still exist. Ask us about your options.