Canal and lakefront homes
A canal home has a seawall, a dock and often a lift — and each of those is a coverage question a standard policy answers differently. Flood zones matter more here than in the Pointes; a lender may require flood coverage on canal-front property. Water backup coverage is near-universal after 2021.
Boats
The boat is a separate policy. Where it is kept — on a lift at the house, in a marina slip, or on a trailer — changes the price and the questions. Navigation limits, layup periods and liability limits are the three things to review before the season. Personal watercraft and pontoons have their own programs.
Businesses on Jefferson and Harper
Marinas, restaurants and bars on the Nautical Mile need liquor liability, business income and workers’ comp; the auto-service, retail and office businesses along Harper and Nine Mile need the same package as their Pointes counterparts. Contractors based in the Shores are a large share of the east side’s trades.
Car Insurance in St. Clair Shores
If lake days include towing a boat, bring the tow vehicle and trailer details to your auto review. Carly can help distinguish auto coverage from boat and trailer coverage, and review collision, comprehensive and liability choices. Keep the waterfront and boating policies in the same conversation.
General information about insurance in St. Clair Shores, not advice about a specific policy. Coverage depends on the policy’s terms, limits, exclusions and eligibility; a request does not bind or change insurance.