Michigan Summer Insurance Myths

“I don’t need insurance for my boat because I only use it in the summer.”

Truth: Boat insurance is essential even for seasonal use — many claims happen during storage, trailering, or due to storms.

“My Homeowners policy covers my kayak, jet ski, or paddleboard.”

Truth: Most Homeowners policies offer very limited coverage for watercraft and may not cover liability while in use.

“My summer cottage is automatically covered under my main home insurance.”

Truth: Secondary homes require separate policies — and often need different coverage types due to location risks (like being near water or seasonal use).

“Flood damage is covered under my regular Homeowners policy.”

Truth: Flood insurance is not included in standard Homeowners policies — and Michigan summer storms can cause significant flooding.

“Wildlife damage at my cabin is always covered.”

Truth: Some animal damage (like raccoons in the attic or bear break-ins) may not be covered depending on the policy or if it’s considered preventable.

“My Auto Insurance covers everything on my road trip, even out-of-state.”

Truth: Michigan no-fault coverage has limits outside the state — and doesn’t always apply the same way if you're driving into Indiana, Ohio, or the U.P. if there’s a Canada detour.