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Directory of boat insurance agents in Berkley, Michigan. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Berkley, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Michigan before hiring.
Showing 2 boat insurance agents in Berkley, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Rick Stander - State Farm Insurance Agent
2305 Coolidge Hwy, Berkley, MI 48072
(248) 399-2242
rickstander.com
American Midwest Insurance Agency, LLC.
3200 Coolidge Hwy Suite B, Berkley, MI 48072
(248) 569-1494
Boat insurance agents in Berkley Michigan help you protect your watercraft with policies tailored to local needs. Michigan law requires liability coverage for motorized boats operated on public waters. A local agent can explain state-specific requirements such as minimum liability limits and optional coverage for theft or damage on inland lakes like Cass Lake or Orchard Lake.
What Does a Boat Insurance Agent in Berkley Cost?
Typical boat insurance costs in Michigan range from 300 to 800 dollars per year for a standard runabout or fishing boat. Higher value boats or personal watercraft may cost 500 to 1500 dollars annually. Rates depend on boat value, horsepower, usage, and your driving record. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of boats need insurance in Michigan?
Michigan law requires liability insurance for any motorized watercraft operated on public waters. This includes motorboats, jet skis, and personal watercraft. Non-motorized boats like kayaks do not need insurance but may still benefit from coverage.
Does Michigan require a specific minimum liability amount for boat insurance?
Yes Michigan sets a minimum liability limit of 20000 dollars for bodily injury per person and 40000 dollars per accident plus 10000 dollars for property damage. Your agent can help you choose higher limits for better protection.
Can I get a discount on boat insurance in Berkley Michigan?
Many insurers offer discounts for completing a boating safety course, bundling with home or auto policies, or having safety equipment on board. Ask your Berkley agent about available discounts to lower your premium.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Michigan.