Specialty Vehicle Insurance
Protect your Michigan adventures with Motorcycle, RV & Boat Insurance. Get tailored protection for your recreational vehicles and peace of mind for your journeys.
Specialty Vehicle Insurance for Your Adventures
Picture yourself camping with your RV at the stunning Ludington State Park, waking up to the sound of waves on Lake Michigan. These are the moments your specialty vehicles are made for. Standard auto insurance won't cover the unique risks they face on the road or water. We provide specialized Motorcycle Insurance, RV Insurance, and Boat Insurance policies to protect your Pure Michigan adventures.
Motorcycle Insurance
Protection for two-wheeled adventures on Michigan's scenic roads and highways.
RV Insurance
Comprehensive coverage for motorhomes and campers exploring Michigan's parks.
Boat Insurance
Protection for watercraft on the Great Lakes and Michigan's inland waters.
Real Michigan Risks & Scenarios
Your recreational vehicles face dangers that require specific coverage:
Motorcycles on M-22
Enjoying the iconic route means facing sudden deer, gravel on curves, and other drivers. Michigan law requires high liability limits, but bikers are not covered by no-fault PIP medical benefits in a single-vehicle accident.
RVs at Michigan Campgrounds
Whether parked amid the towering pines of Tahquamenon Falls State Park or a rustic Upper Peninsula campground, your motorhome can be damaged by falling branches, have its contents stolen, or you could be liable for an injury at your campsite.
Boats on the Great Lakes
On Lake Michigan or inland lakes like Houghton, risks include colliding with another vessel, striking a submerged object, or causing a fuel spill, which can lead to costly environmental cleanup.
Coverage Deep Dive & Michigan Considerations
We craft policies that are a hybrid of auto and homeowners insurance, with key coverages including:
Liability Coverage
Crucial for all vehicles, it covers injuries or damage you cause to others. This is a legal requirement for motorcycles and RVs.
Physical Damage Coverage
Comprehensive covers theft, fire, or storm damage. Collision covers impacts with another object.
Specialized Protections
We can add on roadside assistance for your RV, personal effects coverage for your gear, and agreed value coverage for boats.
Michigan-Specific Rules
Motorcycle insurance requires high liability limits. RV insurance needs no-fault (PIP) insurance. Boat insurance, while not mandated, is vital for financial protection.
Michigan-Specific Rules
Motorcycle Insurance
Requires high liability limits. Riders over 21 must carry other health insurance to ride without a helmet.
RV Insurance
Your motorhome needs no-fault (PIP) insurance, similar to a car.
Boat Insurance
While not mandated by state law, it is often required by marinas and is vital for financial protection.
True Value for Your Specialty Ride
We understand that cost matters for your recreational budget. As an independent agency, we partner with trusted, top-rated carriers like Progressive, among others, to compare quotes and find you the right balance of comprehensive coverage and a fair price. The goal is the right protection for your investment, delivered with the personal service you deserve.
Your Questions, Answered
Ready to Protect Your Journey?
Contact us today for a friendly, no-obligation review of your Motorcycle, RV, and Boat Insurance needs. Let's ensure your adventures are covered.