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 minimal 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 Renters 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.