It's not required in Michigan unless there is a lien holder on it. I've always had my boats insured though. But $3,700 up is ridiculous. Maybe the affordable boat act will save us all money on boat insurance. :coolcowboy:

In NY we do not need insurance. I have a Wakezone policy on my Formula, I roll the dice with no insurance on my 1996 Sea Doo GTI.

I bought my Eliminator in 2008 and got some quotes when I bought it and was given some unbelievable prices so I said screw it and Its never had insurance lol

I carry an umbrella & personal protection policy. When I did the application for those policies the first thing State Farm asked for is a copy my boat insurance policy.

insurance on cats is completely out of control. save the money and spend it on fuel.

A primary boat policy is required for a liability umbrella policy.

My brand new 2005 390 velocity was $3800 a year for ins.and It was a 200k boat. But a 26k 1991 ob. cat there freekn nutzzzzzzz.

I have tried every co. I could find.

Put some fishing poles in it, and a plastic model trolling motor, insure for it twin motor Bass Boat. lol

My bud told me he has Farmers insurance for his 26 AO cat . Very reasonable rates is what he told me . Myself I'm grandfathered with Nationwide at a terrific rate .

I wonder if you could somehow LLC it?