Protect Your Lake Estate Lifestyle

Nothing is quite like a home on a Michigan lake. You’ve built a lifetime of memories and worked hard to preserve its uniqueness. That’s why you deserve an insurance policy that will fully protect your lakefront property and lifestyle. We love Michigan’s lakes, too, and understand what it takes to properly protect the homes that share the shorelines of our great state. 

The Lake Estate® policy from Farm Bureau Insurance of Michigan provides custom coverage for your unique needs. The peace of mind that comes from knowing you’re protected just adds to the experience. With higher limits for many lake-specific coverages beyond a typical homeowner’s policy, a Lake Estate® covers: 

• Docks, boat hoists, and sea walls 

• Property you keep on the lake shore like anchored rafts, water trampolines and slides, as well as ice shanties 

• Damage caused by wave action from a storm to shoreline property 

• Equipment breakdown for your home’s various mechanical systems 

• Collapse due to hydrostatic pressure 

• Water backup and sump discharge or overflow 

• Boats, kayaks, paddle boats, etc. (with higher limits available) 

• Automatic watercraft liability for boats up to 250 horsepower (except for Jet-Skis) and sailboats up to 26 feet in length 

• Fuel spill liability coverage 

• Uninsured boaters protection 

• Boat Waterside Assistance 

If you believe you would benefit from a Lake Estate® policy, reach out to us! We would be happy to discuss your options.