ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeBoat Insurance AgentsMichigan › Bay City

Find Boat Insurance Agents Near You in Bay City, MI

Browse boat insurance agents serving Bay City, Michigan. Updated 2026-07-14.

The top-rated boat insurance agent in Bay City, Michigan is Nick Fletcher - State Farm Insurance Agent, rated 4.9 stars across 339 reviews. Other highly rated options include Farmers Insurance - Mark Townsend, Brent Mishler - State Farm Insurance Agent, Jon LaPorte - State Farm Insurance Agent. This directory lists 19 boat insurance agents serving Bay City.

Showing 19 boat insurance agents in Bay City, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Nick Fletcher - State Farm Insurance Agent306 Center Ave(989) 893-3553
2Farmers Insurance - Mark Townsend509 E Midland St(989) 469-0009
3Brent Mishler - State Farm Insurance Agent3583 Wilder Rd UNIT 5(989) 686-8680
4Jon LaPorte - State Farm Insurance Agent1416 State St #1(989) 895-5570
5Weaver Group Insurance Agency916 Washington Ave STE 204(989) 391-5085
6Thomas Campbell - State Farm Insurance Agent902 S Euclid Ave(989) 686-0100
7MCI Insurance701 N Madison Ave(989) 892-5541
8John Shankool - State Farm Insurance Agent1200 W Jenny St(989) 922-3800
9SkipperBud's Bay City1809 S Water St(989) 894-4181
10Jeff Hunt - State Farm Insurance Agent4359 Wilder Rd(989) 686-7840
NF
306 Center Ave
Nick Fletcher - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI

Nick Fletcher - State Farm Insurance Agent serves Bay City, MI and the surrounding Bay County area. The agency provides boat insurance coverage for local recreational vessels and watercraft. It helps clients protect their boats, jet skis, and other personal marine equipment with standard liability and physical damage options. Policies can include coverage for towing, fuel spill liability, and onboard accessories. The agent specifically handles policies for fishing boats and small pleasure craft docking along the Saginaw Bay shoreline.

FI
509 E Midland St
Farmers Insurance - Mark Townsend
Boat Insurance Agent · Bay City, MI

Farmers Insurance - Mark Townsend provides boat insurance services for owners in and around Bay City, MI, covering a range of watercraft needs such as liability, physical damage, and theft protection. The agency helps clients select appropriate coverage levels and offers guidance on policy maintenance to keep plans aligned with changing requirements. Seasonal storage considerations and navigation area coverage are addressed during consultations. Its property insurance services extend to single-family homes, apartments, retail spaces, and restaurants in the local community.

BM
3583 Wilder Rd UNIT 5
Brent Mishler - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI

Brent Mishler - State Farm Insurance Agent serves homeowners and businesses in Bay City, Michigan, by providing boat insurance policies tailored to protect watercraft against common risks. These policies can cover physical damage from storms or collisions as well as liability for incidents on the water. The agency helps local boat owners select appropriate coverage levels and deductibles for their specific vessels and usage patterns. Accompanying personal property or equipment stored aboard may also be addressed through available policy options. Service extends to nearby communities in Bay County as well.

JL
1416 State St #1
Jon LaPorte - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI

Jon LaPorte - State Farm Insurance Agent serves Bay City, Michigan, and the surrounding communities along the Saginaw Bay shoreline. It handles boat insurance policies for a variety of personal watercraft, covering risks that are common on local inland lakes and rivers. The agency approaches each client by first assessing their specific vessel usage and storage conditions. It then reviews available coverage options to match the individual boater’s needs, working through the application process step by step to secure a policy that fits the account.

WG
916 Washington Ave STE 204
Weaver Group Insurance Agency
Boat Insurance Agent · Bay City, MI

A boat owner in Bay City, MI, may choose between securing a single seasonal policy to cover summer months or establishing an annual policy with automatic renewals for continuous protection. Weaver Group Insurance Agency structures its boat insurance coverage around the specific needs of local waters, addressing liability, physical damage, and uninsured boater risks. Service appointments are available on a one-time, scheduled, or as-needed basis to accommodate the varying inspection and policy update requirements throughout the year.

TC
902 S Euclid Ave
Thomas Campbell - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI

As the summer boating season on Saginaw Bay approaches, securing proper coverage for vessels becomes a priority for many Bay City residents. Thomas Campbell - State Farm Insurance Agent provides boat insurance policies that help protect watercraft from potential damage and liability risks. Their standard offerings include coverage for physical damage, theft, and medical payments related to boating accidents. Working with local marinas, they offer convenient initial inspections of a boat at the owner's dock or dry storage location.

MI
701 N Madison Ave
MCI Insurance
Boat Insurance Agent · Bay City, MI

MCI Insurance provides boat insurance coverage to clients in Bay City, MI, helping protect watercraft from common risks on local lakes and rivers. The company also offers specialized policy add-ons, including coverage for fishing equipment, towing services, and personal effects stored onboard. It serves commercial sectors such as nearby offices, warehouses, and food service establishments needing general business insurance.

JS
1200 W Jenny St
John Shankool - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI

John Shankool - State Farm Insurance Agent is known for serving the Bay City, MI area with boat insurance coverage. This agency helps local boat owners protect their watercraft against common risks on the Great Lakes and inland waterways. Policies typically include coverage for physical damage, liability, and theft. An agent can explain how the deductible works in various scenarios. A specialty add-on available through this office is coverage for towing and emergency assistance on the water.

SS
1809 S Water St
SkipperBud's Bay City
Boat Insurance Agent · Bay City, MI

SkipperBud's Bay City specializes in insuring recreational watercraft, including speedboats, fishing boats, and personal watercraft. It offers general coverage options to protect boat owners in Bay City, Michigan, against common risks like collision, theft, and liability claims. The agency understands the specific challenges of the Great Lakes region, helping clients secure policies that address freshwater exposure and winter storage requirements. It also assists with insurance needs for the active boating season, such as coverage extensions for new electronics or trailer transport to inland waterways.

JH
4359 Wilder Rd
Jeff Hunt - State Farm Insurance Agent
Boat Insurance Agent · Bay City, MI
SI
916 Washington Ave SUITE 210
Superior Insurance Group
Boat Insurance Agent · Bay City, MI
(989) 893-7651
sig-mi.com
MH
509 S Euclid Ave
Michael Hayes Agency/Farm Bureau Insurance
Boat Insurance Agent · Bay City, MI
(989) 684-4160
michfb.com/insurance/find-an-agent/michael-hayes-509-s-euclid-ave
DI
3741 Wilder Rd # C
DuRussel Insurance Agency
Boat Insurance Agent · Bay City, MI
(989) 671-8206
durussel.com
FB
903 Saginaw St
Farm Bureau Insurance Engelhardt Agency
Boat Insurance Agent · Bay City, MI
(989) 895-4321
farmbureauinsurance-mi.com/Portal/Wireframes/AgentAdditionalPage.aspx
BI
503 N Euclid Ave Suite 11
Bechert Insurance Group-Farm Bureau Insurance in Bay City
Boat Insurance Agent · Bay City, MI
(989) 656-6860
michfb.com/request-a-quote
FI
2105 10th St
Fremont Insurance
Boat Insurance Agent · Bay City, MI
(989) 891-9324
VU
1108 W Jenny St
Valley United Insurance
Boat Insurance Agent · Bay City, MI
(989) 686-7099
valleyunitedinsurance.com
MM
815 E Midland St Suite 2
Mid Michigan Insurance and Financial Services, LLCs
Boat Insurance Agent · Bay City, MI
(989) 327-9660
mmifsllc.com
FI
914 N Euclid Ave
Farmers Insurance The Zimmer Agency - Bay City MI
Boat Insurance Agent · Bay City, MI
(989) 455-0017

What Does a a Boat Insurance Agent in Bay City Cost?

Boat insurance in Michigan typically costs between 200 and 800 dollars per year for a standard runabout. Higher value vessels or those used on the Great Lakes may cost 1,000 to 3,000 dollars annually. Premiums depend on boat value horsepower length and your claims history. This is general information not insurance advice.

About boat insurance agents in Bay City

Boat insurance agents in Bay City Michigan help protect your watercraft on the Saginaw Bay and local rivers. Michigan law requires proof of financial responsibility for boats with more than 50 horsepower. A local agent can tailor a policy to cover physical damage liability and uninsured boater protection.

Frequently Asked Questions

Do I need boat insurance in Bay City Michigan?

Michigan law does not require boat insurance for all vessels but does require proof of financial responsibility for boats over 50 horsepower. Many marinas and lenders also require coverage for docked or financed boats.

What does a boat insurance policy typically cover in Michigan?

A standard policy covers physical damage to your boat liability for injury or damage to others and medical payments. You can also add coverage for towing fuel spill liability and uninsured boater protection.

How do I choose a boat insurance agent in Bay City?

Look for an agent licensed in Michigan who has experience with freshwater boating on the Great Lakes and inland rivers. Ask about coverage for winter layup and transport on trailers.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each boat insurance agent's credentials and current standing with your state Department of Insurance.