Boating Insurance

Is Your Boating Insurance Seaworthy in Clinton, NC?

Is Your Boating Insurance Seaworthy in Clinton, NC?

Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks in North Carolina.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

Does Homeowners Insurance Cover Your Boat?

Does Homeowners Insurance Cover Your Boat?

The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don't carry a boat insurance policy, you may be underinsured.

In North Carolina, the minimum requirement for liability coverage for boating insurance is $50,000 for bodily injury to one person, $100,000 for bodily injury to two or more people, and $25,000 for property damage.

Boat Insurance: What's Covered

Boat Insurance: What's Covered

Typical coverages in Clinton, North Carolina should include:

  • Liability Coverage: Covers bodily injury or property damage that you are legally responsible for due to a boating accident.
  • Medical Payments: Covers medical expenses for you and your passengers in case of injuries sustained in a boating accident in North Carolina.
  • Physical Damage Coverage: Covers damage to your boat, equipment, and trailer caused by accidents, theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Boater Coverage: Protects you if you're in an accident with a boater who has insufficient or no insurance.
  • Personal Property Coverage: Covers personal items on the boat, such as fishing gear, clothing, and electronics.
  • Towing and Assistance: Covers the cost of towing and emergency assistance if your boat breaks down in Clinton, NC.
  • Wreckage Removal: Covers the cost of removing your boat if it sinks or is damaged in an accident.
Boat Insurance Discounts With Us

Boat Insurance Discounts With Us

We also work with carriers who provide boat insurance discounts in Clinton, North Carolina. Here are a few ways you may be able to save:

  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Pay your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require in North Carolina.

Why We're Different

Why We're Different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you in Clinton, NC.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we'll help you protect what matters most in North Carolina. 

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