Trusted coverage from Capitol Insurance Group in Lansing, Michigan.
Specialty Insurance
Overview
Michigan's four seasons mean four seasons of fun — and four seasons of risk. Capitol Insurance Group insures the recreational vehicles and specialty items that make life worth living, from boats on Lake Lansing to snowmobiles in the Upper Peninsula.
We work with carriers who specialize in recreational and collector vehicles, offering agreed-value coverage, seasonal rates, and multi-unit discounts that standard auto carriers don't provide.
Why Choose an Independent Agent
Specialty vehicles have unique insurance needs that standard auto or homeowners policies often don't adequately cover. An independent agent can access niche carriers who understand these risks and offer coverage specifically designed for recreational use, collector value, and seasonal storage.
Common Coverage Options
✓Boat & Watercraft
✓Motorcycle
✓ATV & Off-Road
✓RV & Travel Trailer
✓Classic & Collector Cars
✓Snowmobile
✓Personal Watercraft (Jet Ski)
✓Golf Cart & Low-Speed Vehicles
Frequently Asked Questions
Homeowners insurance may provide very limited coverage for small boats, but it's usually not enough. A standalone watercraft policy provides proper liability, hull coverage, and towing — which your homeowners policy won't.
With agreed-value coverage, you and the carrier agree on the vehicle's value upfront. If it's totaled, you receive that full amount — unlike actual cash value, which depreciates. This is ideal for classic cars and custom motorcycles.
Michigan law doesn't require snowmobile insurance, but it's strongly recommended. Liability coverage protects you if you cause injury or property damage, and comprehensive coverage protects your sled from theft or damage.
Yes — many specialty carriers offer lay-up or storage rates for vehicles that are only used part of the year. You maintain comprehensive coverage year-round but reduce liability and collision during storage months.