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.
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.