Recreational & Specialty Insurance in Michigan
Michigan is made for adventure — boats on the Great Lakes, snowmobiles on the UP trails, ATVs through the woods. Protect every ride with the right coverage.
Boats, motorcycles, snowmobiles, and ATVs are not covered by your auto or homeowners policy — each needs its own recreational vehicle coverage. Knight Family Agency writes specialty recreational policies through Foremost and Farmers for West Michigan riders and boaters, with seasonal-use options that keep Michigan's short riding season affordable.
Your Coverage at a Glance
Boat & Watercraft Insurance
Covers your boat, motor, and trailer against collision, theft, sinking, fire, and liability on Michigan's lakes and rivers.
Snowmobile Insurance
Michigan trails require coverage. We offer liability, collision, and comprehensive for snowmobiles of all types.
ATV & Off-Road Insurance
Covers ATVs, UTVs, and side-by-sides on and off your property — including trail liability in Michigan's state forests.
Motorcycle Insurance
Year-round or seasonal coverage for motorcycles, including liability, collision, comprehensive, and accessory coverage.
RV & Motorhome Insurance
Full-timer or seasonal, we cover your motorhome, travel trailer, and fifth wheel with Foremost's specialty RV policies.
Trailer Coverage
Covers utility, horse, cargo, and equipment trailers — whether attached or stored.
Agreed Value Coverage
Get the full insured value of your recreational vehicle after a total loss — no depreciation deductions.
Emergency Towing & Roadside
On-water and on-road towing coverage for boats, RVs, and recreational vehicles.
Seasonal Storage Coverage
Coverage stays active even when your recreational vehicle is in winter storage — protecting you from theft and damage year-round.
The Knight Family Agency Difference
Foremost Specialty Coverage
Foremost is one of the nation's top specialty insurers. Their recreational policies are built for exactly the Michigan lifestyle you enjoy.
Michigan-Specific Knowledge
We know Michigan's DNR registration requirements, trail regulations, and Great Lakes watercraft rules — so your coverage is always compliant.
Bundle for Maximum Savings
Add recreational coverage to your existing auto or home policy and save with multi-policy discounts across all your vehicles.
One Agent for Everything
Why have separate policies scattered across multiple companies? We cover your car, home, life, AND your toys — all in one place.
Claims Support You Can Count On
An accident on the water or trail can be complicated. Our team helps navigate the claim process so you're back out there as quickly as possible.
Agreed Value Options
Unlike standard auto policies that depreciate your vehicle, many recreational policies offer agreed value — meaning you get the full insured amount with no depreciation fight.
Frequently Asked Questions
Explore Coverage In Depth
Dive deeper into specific coverage topics — detailed guides written for West Michigan families and businesses.
Boat & Watercraft Insurance
Michigan has more boats than almost any state. Protect yours on the Great Lakes and inland lakes with Foremost watercraft coverage.
Snowmobile Insurance in Michigan
Trail liability is required on Michigan's public trail system. We cover your sled wherever the snow takes you.
Motorcycle Insurance in Michigan
Michigan's no-fault law treats motorcycles differently. Get coverage built for riders — liability, collision, custom gear and more.
ATV & UTV Insurance in Michigan
Michigan's ORV trail network is world-class. We cover your ATV or side-by-side on-trail and off — including custom accessories.
Related Articles
Boat Insurance on Michigan's Great Lakes: Everything You Need to Know
Michigan has more registered boats than almost any other state. Here's what your watercraft policy covers — and what it doesn't.
Snowmobile Insurance in Michigan: Trail Coverage Explained
Trail liability is required for Michigan's public trail system. Here's what you need to ride legally and confidently.
Motorcycle Insurance in Michigan: What Riders Need to Know
Michigan's no-fault law applies differently to motorcycles. Get the coverage right — from liability to custom gear protection.
Protect Every Adventure
Get a Michigan recreational insurance quote. We cover boats, snowmobiles, ATVs, motorcycles, and RVs.