Relax ... your boat or yacht is covered.
Whether you sail, troll or pound the waves at 65 mph, Wolverine Mutual offers the coverage your pleasure craft or yacht really needs. Actual boat owners write our easy-to-understand polices and they know why you value “replacement cost” coverage on newer hulls, and automatic coverage for unattached equipment.
Choose between our standard watercraft coverage for boats up to 25' and $200,000 value or yacht policies for boats 26' or longer with an insuring value of $35,000 to $500,000.
Watercraft Policy
Protect your pleasure craft up to $200,000 value.
It takes a boat owner to know that your watercraft isn’t just another recreational vehicle – it’s your relaxation refuge. The people who write Wolverine Mutual’s watercraft policy own boats. That is why our policies are some of the most sought after in the industry. You get the “worry free” protection that makes boating even more fun. Some of our comprehensive and innovative coverages include:
- Full Replacement Cost Coverage for boats five years old or newer. 100% Market Value Coverage for your boat, motor and trailer. Wolverine Mutual writes polices for outboard, inboard/outboard or inboard pleasure boats, sailboats, mini-jet boats, pontoons, bass boats, canoes, rowboats or paddleboats up to 25'. If you carry our watercraft insurance you may also insure your jet skis or wave runners, Your coverage includes collision, theft or vandalism and reasonable repairs to prevent further damage for hulls up to $200,000 in value.
- One Deductible Saves You Hundreds of Dollars. Some insurance carriers charge a separate deductible for each item covered when a single accident causes multiple losses and damages. Those deductibles can add up quickly. Not with Wolverine Mutual. You save by paying only one deductible when there is damage to your boat, trailer, motor and/or equipment.
- Unattached Equipment and Personnel Effects Coverage for your portable electric or battery-operated ship-to-shore radios, depth finders skis, anchors, tenders, extra fuel tanks, deck chairs, fishing gear, electric trolling motor, clothing and shoes, and much more. Covers loss and damage claims up to $5,000 (see your agent for increased limits). Subject to certain restrictions. See your policy for details.
- Equipment on Shore Coverage for permanent equipment that is separated from the watercraft or stored on shore away from the boat.
- Boat Towing and Emergency Assistance up to an amount equal to 5% of your boat’s insuring value. No deductible applies.
- Trailer Emergency Assistance Coverage for emergency road service costs (up to $500) if your insured trailer breaks down while towing your boat.
- Land and Water Coverage so you can take your boat to your favorite recreation spots across the continental United States and Canada. Subject to certain restrictions. See your policy for details.
- Watercraft Liability Protection can be purchased to cover claims or suits brought against you for accidental damage to someone else’s property or accidental bodily injury to you or others while operating, using or maintaining your insured watercraft. This liability protection also includes payment of medical. Subject to certain restrictions. See your policy for details.
- Pollution Liability Protection applies when you purchase Liability Coverage. Coverage of $50,000 is included if Liability Protection is purchased. Optional limits up to $500,000 are available. Subject to certain restrictions. See your policy for details.
Save more money with these discounts
In addition to our competitive premium rates, you can save even more when you qualify for these discounts:
Learn more >
Customize your policy to get the right protection for you.
At Wolverine Mutual you don’t have to pay for packages that include coverages you don’t need. Your agent will help you build a policy that protects you not only from surprises but also from unnecessary premium costs:
Learn more >
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
Yacht Policy
Protect your yacht up to $500,000 value.
For years, pleasure boat owners have found exceptional protection for their watercraft through Wolverine Mutual. Yacht owners frequently asked their agents for similar coverage for their 26' or longer hulls, but it wasn’t available. That has changed. Now “worry free” protection is available in Indiana, Michigan and Wisconsin for fiberglass or wooden inboard, outboard, inboard/outboard and sailboat yachts valued up to $500,000. Some of the comprehensive and innovative coverages available include:
- Agreed Value Coverage for your yacht and motor(s) valued at $35,000 to $500,000 and capable of speeds up to 65 mph. Your coverage includes collision, theft or vandalism and reasonable repairs to prevent further damage. Trailers are covered under a separate policy.
- 12 Months of Coverage for only 4 Months of Premium gives you the protection you need without the added cost. The premium is based on four months of use and eight months storage. However, you get a full year of coverage so if the boating season extends you can enjoy it!
- One Deductible Saves You Hundreds of Dollars. Some insurance carriers charge a separate deductible for each item covered when a single accident causes multiple losses and damages. Those deductibles can add up quickly. Not with Wolverine Mutual. You save by paying only one deductible when there is damage to your yacht, motor(s) and/or equipment.
- Replacement 20 Coverage provides replacement value (not depreciated value) for components (such as power generating engines, outboard motors, propellers, etc.) damaged on yachts that are 20 years old or less.
- Equipment on Shore Coverage for permanent equipment that is separated from your yacht or stored on shore away from your boat.
- $10,000 Unattached Equipment and Personnel Effects Coverage for your portable electric or battery-operated ship-to-shore radios, depth finders skis, anchors, tenders, extra fuel tanks, deck chairs, fishing gear, electric trolling motor, clothing and shoes, jewelry, and much more. Covers loss and damage claims up to $10,000 (see your agent for increased limits). Subject to certain restrictions. See your policy for details.
- Boat Towing and Emergency Assistance up to an amount equal to 5% of your yacht’s insuring value. No deductible applies.
- Trailer Emergency Assistance Coverage for emergency road service costs (up to $500) if your insured trailer breaks down while towing your yacht.
- Land and Water Coverage so you can take your yacht to your favorite recreation spots across the continental United States and Canada. Subject to certain restrictions. See your policy for details.
- Watercraft Liability Protection can be purchased to cover claims or suits brought against you for accidental damage to someone else’s property or accidental bodily injury to you or others while operating, using or maintaining your insured watercraft. This liability protection also includes payment of medical. Subject to certain restrictions. See your policy for details.
- Pollution Liability Protection applies when you purchase Liability Coverage. Coverage of $50,000 is included if Liability Protection is purchased. Optional limits up to $500,000 are available. Subject to certain restrictions. See your policy for details.
Lower your rates with these money-saving discounts.
In addition to our competitive premium rates, you can save even more when you qualify for these discounts:
Learn more >
Customize your coverage with these options.
At Wolverine Mutual you never have to pay for “package” coverages you don’t need. Your agent will design a policy that protects you not only from costly surprises but also from unnecessary premium costs.
Learn more >
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
|
