The Ryan Insurance Agency

7151 N. Main Street, Ste. 103,
Clarkston, MI 48348

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Boat & Watercraft Insurance


The Ryan Insurance Agency can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

Here are some items you’ll need to consider when shopping for boat insurance in Michigan

  • Agreed Value Coverage:
    Agreed Value means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
  • Liability
    Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
  • Medical Payments
    Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
  • Physical Damage Coverage
    Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
  • Uninsured/Underinsured Watercraft Bodily Injury
    Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
  • Unattached Equipment Coverage
    This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
  • Emergency Assistance
    The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Recreational Insurance

The Ryan Insurance Agency also provides you options for Recreational Vehicle Insurance. Michigan residents enjoy their toys and we partner with the countries largest and best when it comes to protecting them. Make sure that your toys and vehicles used to improve life quality. Below are some additional vehicles covered.

  • Snowmobiles
  • Off-Road Vehicles
  • Jet Skis

Snowmobiles and off-road vehicles are used to make transport during tough terrain manageable for families around Michigan. Sometimes the weather in these areas require these off-road types of vehicles for traveling trails or crossing your own property. Also, and best of all they are used for recreational purposes, just like our Jet Skis and Wave Runners are all over our lakes, it’s not called the Great Lake State for nothing. No matter which of these recreational vehicles you own, they are an investment in your life quality that should be protected with one of our recreational insurance products.

Every need is unique – contact The Ryan Insurance Agency today 248-403-8591

Our Partners


  • ASI
  • Hagerty
  • Progressive
  • Safeco
  • State Auto