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Michigan Farm Bureau Family of Companies

Lake Estate® Insurance

Boats and houses along a shore of a lake

Coverage Unlike Any Other For a Lifestyle Unlike Any Other

Whether it's your vacation home or your primary residence, you want your home on the lake protected. Lakefront homes have unique insurance needs. At Farm Bureau Insurance, we've crafted a custom policy with specific coverages for lakefront owners like you.


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Giving you the peace of mind for rest and relaxation – request a quote today.


Farm Bureau’s Lake Estate® Insurance Policy provides higher limits of many lake-specific coverages that a typical homeowner’s policy doesn’t cover. From docks to boat hoists to sea walls and more, the Lake Estate® policy is custom-made to meet the needs of lakefront living.

photo of house with lake and sunset in background

Farm Bureau’s Lake Estate® policy keeps you protected from damages to your lakeside home. Our policy gives you the coverages you need to protect your piece of paradise from whatever comes your way.


Dwelling coverage ensures your home and other structures are protected from life's unexpected moments.

Loss of Use

Loss of Use coverage helps pay for living expenses, like hotel stays, while your home is repaired or rebuilt.

Named Perils

Named Perils coverage protects you from things that are out of your control like weather-related damages (e.g. fire, smoke, wind, hail), vandalism, theft, and more.


Your Lake Estate® policy keeps you protected from shoreline property damage caused by wave action from a storm.

Special Uses

Your Lake Estate® policy can include coverages for properties owned in the name of a trust or LLC or used as a rental through a home-sharing network platform like Airbnb, VRBO, etc.

Father and son preparing kayak for launch from lakeside

Your lakefront home is more than where you live. It contains your memories and all the items you’ve worked hard for. A Lake Estate® policy from Farm Bureau is designed to protect cherished assets on and off the water.

Personal Property

Personal property coverage protects all the things you’ve worked for – your furniture, clothing, and other valuable personal assets. With a Lake Estate® policy, you also get protection for lake-focused property like docks, boat hoists, sea walls, anchored rafts, water trampolines, slides, and ice shanties.

Scheduled Personal Articles (SPA)

Scheduled Personal Articles coverage protects personal items with special insurance needs like jewelry, fine art, and more.

Motorized Boats

As part of your Lake Estate® policy, we provide baseline protection for motorized boats like replacement costs on newer watercrafts, waterside assistance, and uninsured boaters protection. Higher limits are available through our Boat Insurance Policy.

Non-motorized Boats

As part of your Lake Estate® policy, we provide protection for non-motorized boats like kayaks, canoes, paddleboats, and more.

Additional Property

We offer protection for your valuable possessions, such as boat trailers, boating and fishing equipment, water skis and scuba/snorkeling gear, cameras, electronics and more.

a pink piggy bank on a white background

Farm Bureau’s Lake Estate® policy protects more than just your lakefront home. You can have peace of mind that your wallet is covered too.

Personal Liability

If someone is injured on or off your property, Personal Liability coverage keeps you protected from potential lawsuits. With your Lake Estate® policy, you’re also protected from boat-related liabilities like fuel spills.

Watercraft Liability

This coverage extends coverages in personal liability and medical payments for watercraft that is not excluded in the base policy. It also includes coverage for both Uninsured Boaters Coverage and Fuel Spill Liability.

Medical Payments

Medical Payments coverage provides protection from injuries that occur at your residence (e.g. a friend slipped on your icy stairs).

Claims Expenses

Included at no additional cost, Claims Expenses are covered for reasonable expenses incurred up to $250 per day.