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Marine

Summertime in Michigan is best spent on the water. Whether you're charter fishing on the Great Lakes or enjoying a relaxing float, Fremont Insurance provides broad coverage for all your boating needs. Our marine policy protects your boat, yacht, or personal watercraft the entire time it's in use, when it's traveling, and even when it's laid up in the winter. We understand the Michigan boating lifestyle and have designed insurance programs to give you total peace of mind.

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Standard Coverages For Boats

Nonowned Watercraft

If you cause bodily injury or property damage while operating a boat other than your own (e.g. a friend's boat with their permission), this coverage extends liability coverage to the boat owner.

Removal of Wreck

If your boat is wrecked, this coverage pays for the expenses to have it removed or destroyed.

Damage to Property of Others

This coverage helps you pay for damages to someone else's personal property if the damage occurs on your boat.

Physical Damage

This coverage pays for repairs to your boat if direct damage occurs from a common cause of loss like bad weather, fire, theft, vandalism, or a collision.

Medical Payments

This coverage pays for medical-related costs that result from someone being injured on your boat. Specific coverages depend on your policy and the type of boat you insure.

Additional Coverages For Boats

Liability

This coverage will pay for bodily injury and property damages resulting from ownership, maintenance, or use of an insured boat.

Emergency Assistance & Travel

This coverage pays for emergency assistance and travel if your boat is damaged or breaks down while you're on the water or towing to your destination. Specific coverages depend on your policy and the type of boat you insure.

Depreciation Buster

This coverage eliminates depreciation on repairs to engines and drives for boats aged 8 to 20 years.

Standard Coverages for Yachts

Physical Damage

This coverage pays for repairs to your boat if direct damage occurs from a common cause of loss like bad weather, fire, theft, vandalism, or a collision.

Removed Equipment

This coverage pays to replace or repair equipment that has been removed from the yacht and stored during the lay-up period.

Trailer

This coverage helps you pay for damages to the trailer you use to transport your boat.

Emergency Assistance & Travel

This coverage pays for emergency assistance and travel if your boat is damaged or breaks down while you're on the water or towing to your destination.

Salvage

If your boat is severely damaged by a covered peril and you attempt to save it, this coverage helps you pay for part of the repair costs.

Liability

This coverage will pay for bodily injury and property damages resulting from ownership, maintenance, or use of an insured boat.

Accidental Death Indemnity Expense Coverage

If someone accidentally dies while boating, this coverage provides financial support to the family of the deceased.

Additional Coverages for Yachts

Medical Payments

This coverage pays for medical-related costs that result from someone being injured on your boat. Specific coverages depend on your policy and the type of boat you insure.

Uninsured Boater

This coverage pays for bodily injury that occurs on your boat but is caused by the owner or operator of an uninsured boat.

Depreciation Buster

This coverage eliminates depreciation on repairs to engines and drives for boats aged 8 to 20 years.

Standard Coverages For Personal Watercrafts

Physical Damage

This coverage pays for repairs to your boat if direct damage occurs from a common cause of loss like bad weather, fire, theft, vandalism, or a collision.

Liability

This coverage will pay for bodily injury and property damages resulting from ownership, maintenance, or use of an insured boat.

Medical Payments

This coverage pays for medical-related costs that result from someone being injured on your boat. Specific coverages depend on your policy and the type of boat you insure.

Additional Coverages for Personal Watercrafts

Accessories & Personal Effects

This coverage helps you pay to replace items that are designed to be used on your personal watercraft, like a fender (does not include money, valuable papers, or jewelry).

Trailer

This coverage helps you pay for damages to the trailer you use to transport your boat.

Uninsured Boater

This coverage pays for bodily injury that occurs on your boat but is caused by the owner or operator of an uninsured boat.

File a Claim

When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way. 

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Ways to Save

We’re dedicated to helping our customers get the most coverage at the best rate. That’s why we look for opportunities to save you money. Depending on the details of your policy and the type of boat you insure, you may be eligible for the following discounts.

Multi-Policy

You must bundle more than one insurance policy to qualify.

Senior

You must be 50 years of age or older to qualify.

Group

You must be a member of a group or association that insures with Fremont Insurance to qualify.

Boater Safety

You must have completed U.S. Coast Guard Auxiliary or U.S. Power Squadron boating safety courses within the last 10 years to qualify.

Claim-Free

You may qualify for a 2% discount (up to 10%) for each consecutive year you go without making a claim.

Charter Programs

Fremont Insurance has developed special programs for Great Lake Charters and River Guides. The insurance policies are endorsed to extend the coverages to make certain you are protected while traveling and entertaining clients. Ask a Fremont Insurance agent about our charter programs for more information.

Frequently Asked Questions

Can I apply more than one boat on the same policy?

Yes, you may include several boats on one policy and customize the coverage for each as needed.

Is my boat protected outside of Michigan?

Yes, your boat is protected anywhere in U.S. or Canada, including coastal waters (as long as you’re 15 miles from the coast)

What kind of boats and yachts are eligible for coverage?

Eligible boats are 32 feet or less in length and $150,000 or less in value. Eligible yachts are 28 feet or more in length, with a minimum value of $35,000. They can be either power or sail.

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