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.

“Renter’s insurance doesn’t matter if I’m just renting a cabin for a week.”

Truth: Your personal renter’s or Homeowners policy may cover your belongings while traveling — but the rental cabin itself is the owner's responsibility.

“If my power goes out during a summer storm and food spoils, I’m out of luck.”

Truth: Many homeowners policies cover refrigerated food spoilage — but you may need to add a small endorsement.

“ATVs, golf carts, and side-by-sides are covered under Auto Insurance.”

Truth: These typically require separate recreational vehicle coverage — especially if used off your own property.

If you have additional questions, please reach out to our agency and we would be happy to assist you. You can call us at (616) 747-5141 or you can stop by and see us at 118 Courtland St. Rockford, MI.