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Lake Estate

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.  

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