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Boat and Personal Watercraft Insurance

Enjoying Michigan’s vast waterways is a unique part of our lifestyle. Frost & Remer want to help you enjoy this lifestyle worry-free and with peace of mind as you captain your boat or personal watercraft.

Whether you’re looking for new boat insurance or just want to review your current policy to save money, we’re here to serve you.

Schedule a phone call or Zoom meeting.


Boat and Personal Watercraft Insurance protects you and your boat in the water and on land. If you don’t have a separate boat or personal watercraft insurance policy, you’re probably at risk. 

Some assume that your homeowners policy covers personal watercraft, but the fact of the matter is most policies have size, horsepower, and damage coverage limitations.

All boats are different, so it’s essential to customize your boat insurance coverage to meet your needs.


We insure personal and corporate yachts as well as the occasional charter vessels.

Charter Boats

Use your boat as a charter or fishing guide, both full-time or occasionally? We’ve got you covered.


As an independent agent we have insurance programs specific for your pontoon or runabout.

What does boat insurance cover?

Insurance Coverage

Typical coverage includes:

  • Damage to another boat or dock
  • Physical damage to your boat
  • Towing assistance

Service & Claims

With Frost & Remer, you get exceptional service:

  • Licensed, knowledgable agents
  • Expert service and claims handling, 24/7

Boat Towing

Don’t get stranded, on land or in the water:

  • Boat towing assistance
  • On water towing services
  • Fuel delivery service

How to save on your boat insurance

Frost and Remer is always looking for discounts for your insurance needs. Here are a few ways we can help lower your boat insurance rates.

Schedule your free consultation. Ask about these discounts and all of the other benefits of insuring with Frost & Remer.

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