Boat, RV, and Recreational Vehicle Insurance in Cedarville, the Eastern Upper Peninsula, and Across Michigan

Protection Tailored to Your Adventures

Life in Michigan’s Eastern Upper Peninsula often means time on the water, weekends at the cabin, and road trips in your RV. At Islands Insurance Center, we provide recreational vehicle insurance that protects your boats, RVs, ATVs, snowmobiles, and more. Whether you’re cruising the Les Cheneaux Islands, exploring state parks, or traveling across Michigan, we’ll make sure your adventures are covered with policies designed around your lifestyle.

What Recreational Insurance Includes

Recreational insurance from Islands Insurance Center may include:

Boat & Watercraft Insurance

Protection for boats, yachts, pontoons, and personal watercraft against damage, theft, and liability.

RV & Motorhome Insurance

Coverage for your recreational vehicle on and off the road, including liability, collision, and personal property inside.

Snowmobile Insurance

Safeguards your sled for winter adventures across Michigan’s trails.

ATV & Off-Road Vehicle Coverage

Tailored protection for ATVs, UTVs, dirt bikes, and other off-road vehicles.

Liability Protection

Covers bodily injury or property damage caused while using your recreational vehicles.

Towing & Roadside Assistance

Optional add-ons to help if your RV or boat trailer breaks down on the road.

Personal Property Coverage

Protects the belongings you bring along for the ride, whether it’s fishing gear or camping equipment.

Frequently Asked Questions

  • Is boat insurance required in Michigan?

    Michigan law does not require boat insurance, but marinas, lenders, or rental agreements often do. At Islands Insurance Center, we recommend it to protect your investment and provide liability coverage on the water.

  • Do I need RV insurance if I only use it seasonally?

    Yes. Even if your RV is parked for part of the year, risks like theft, fire, or storm damage can still occur. Seasonal RV insurance ensures protection year-round.

  • Does homeowners insurance cover boats or recreational vehicles?

    Home policies may provide limited coverage for small watercraft or ATVs, but larger boats and RVs usually require dedicated policies. We’ll help you close those coverage gaps.

  • Can I bundle my recreational insurance with home or auto?

    Absolutely. Many clients in Cedarville and the Eastern Upper Peninsula choose to bundle recreational coverage with their home and auto policies through Islands Insurance Center.

  • Do you cover recreational vehicles outside Cedarville?

    Yes. While we proudly serve the Les Cheneaux Islands community, Islands Insurance Center provides boat and recreational vehicle insurance across Michigan.

  • How do I get a recreational insurance quote?

    Simply fill out our [Request a Quote] form, text us, call our Cedarville office, or stop in. Our team will tailor coverage to your vehicles, lifestyle, and adventures.

Family, including grandparents and children, eating outdoors by an RV.

Why Choose Islands Insurance Center for Recreational Vehicle Insurance?

Adventure with Confidence
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Community-Rooted: We know the lifestyle of Cedarville, the Les Cheneaux Islands, and the Eastern Upper Peninsula — and we design coverage for it.

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Tailored Coverage: Whether you own a fishing boat, a snowmobile, or a motorhome, your policy is built around your recreational needs.

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Trusted Carriers: With Auto-Owners, AAA, Wolverine, and more, we provide flexible, reliable protection.

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Independent & Flexible: At Islands Insurance Center, we work for you, not one insurer, to get the right fit.

Protect Your Fun with Islands Insurance Center

From boating across the Les Cheneaux Islands to camping in your RV or hitting Michigan’s snowmobile trails, Islands Insurance Center makes sure your recreational vehicles are fully protected. With local insight and tailored coverage, you can focus on enjoying the ride while we handle the risks.

Request a Quote from Islands Insurance Center