Boats & Recreational Vehicles

Relax ... your play vehicles are covered

Whether you sail, troll or pound the waves at 65 mph, we offer the coverage your pleasure boat or yacht really needs. We also provide the right protection for you and your recreational vehicles. Actual boat and recreational vehicle owners write these easy-to-understand, coverage-loaded policies. They know what protections you want because they value them, too.

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Pleasure boat advantages

Here are some of the many reasons why boaters in Michigan, Indiana and Wisconsin consider Wolverine Mutual the best insurance choice on and off the water.

Full replacement cost coverage for watercraft up to 25', five years or newer

One deductible saves you hundreds of dollars. Covers damage to your boat, trailer, motor and/or equipment.

Automatic $5,000 coverage for unattached equipment and personal effects

Equipment on shore coverage

Boat towing and emergency assistance

Yacht advantages

Worry-free protection is available for your 26' or longer hulls. Whether your boat is fiberglass or wood, inboard, outboard, inboard/outboard or a sailboat, we can protect your ultimate getaway on the water. Here are a few of the many advantages of insuring it with Wolverine Mutual:

Agreed value coverage for your yacht and motor(s) valued at $35,000 to $500,000

Replacement 20 coverage for damage on yachts that are 20 years old or less

Automatic $10,000 for unattached equipment and personnel effects

Pleasure boat & yacht savings

Our premium rates are very competitive; these discounts drive down your costs even more

Ask your agent how to qualify and what savings you'll see:

  • Newer watercraft applies to: boats and yachts 10 years old or newer
  • Higher deductible
  • Watercraft/Home multi-policy
  • Multi-boat
  • Experience: when you have more than five years boating experience or complete qualifying courses
  • Halon fire extinguishing system
  • Safety equipment
  • Shore station boat lift
  • Diesel engine
Recreational vehicle advantages

When you insure your home with us, you can protect the following recreational vehicles with all risk physical damage coverage as well as liability and medical payment coverage:

  • Snowmobiles
  • Off-road four wheelers and utility vehicles
  • Mini-bikes and trail bikes
  • Golf cars or carts
  • Recreational trailers
Start protecting your fun

To find an independent agent who will provide the coverage you need to protect you and your boat or recreational vehicle, click here.

For a policy that matches your needs and budget, start here.

To increase your financial protection with surprisingly affordable personal umbrella coverage, learn more here.




Proudly saying “It’s covered” since 1917.

Most days go well. Then it happens. An accident. Nasty weather. A fire. A break in. Suddenly you need financial help to repair or replace what’s been damaged or lost.

For over 100 years, Wolverine Mutual Insurance Company has proudly told our policyholders that “it’s covered” when they need that assurance the most. Through a conservative stewardship of our policyholders’ money, personal property insurance policies that are written to truly protect what they own and a company-wide compassion during tough times, we’ve built a family of customers, agents and employees that have spanned generations. Our legacy of longevity has helped tens of thousands of people in Michigan, Indiana and Wisconsin feel more secure and we hope you’ll be part of our story over the next 100 years, too.


Wolverine’s Claim Service Earns Top-Three Ranking

Every two years, the Michigan Association of Insurance Agencies (MAIA) asks its member agencies to rank their carriers in their Agent Survey of Companies.

In the most recent 2018 survey, Wolverine followed up their first-place ranking in 2016 with a top-three ranking in Claims Handling in Personal Lines. This consistently high grade from our agents underscores the importance we place on providing fast, fair and responsive claim service to our valuable policyholders. You can count on our commitment to deliver an excellent claims experience.

sofaWe can help you ...

  • Get a quote - When you need better coverage and service, click here.
  • Pay your bill - We offer easy payment to fit your budget and time. Click here.
  • Make a claim - Have a claim? For a quick response, click here.


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