BOAT & WATERCRAFT INSURANCE
For your kind
of day on the water.
Fishing boat, personal watercraft, or sailboat—start with how you use it. We’ll help you compare the insurance options available for your craft.
Your craft.
Your waters.
A local team to help.
Independent guidance from our Gainesville and Buford offices.
START WITH WHAT YOU OWN
Different craft.
A personal approach.
The type, condition, use, and location of your watercraft help shape the coverage conversation.
Boats
For fishing days and family outings.
Tell us about your boat, motor, trailer, and the equipment you carry. We’ll help you explore available physical damage and liability options.
Jet Ski & personal watercraft
For your time closer to the waves.
Your personal watercraft needs its own coverage conversation. We can discuss damage protection, liability, who operates it, and how it’s used.
Sailboats & other craft
For a different kind of adventure.
Have a sailboat, an unusual vessel, or a restoration project? Share its details so we can explore whether suitable coverage is available.
LOOK BEYOND THE PREMIUM
Four questions to bring aboard.
Available policies differ. Ask what’s included, what’s optional, and where limitations apply.
Liability
What protection applies if you’re legally responsible for an injury or damage to someone else’s property?
Your watercraft
How is covered damage valued, and what deductibles and exclusions apply?
Gear & equipment
Are motors, fishing gear, electronics, and the trailer included, or do they need additional coverage?
Help on the water
Is towing or other assistance available, and what limits or restrictions apply?
Coverage depends on the insurer, policy terms, exclusions, and state. These questions are a starting point, not a promise of coverage. For more background, see the NC Department of Insurance boat insurance overview.
A MORE USEFUL QUOTE CONVERSATION
Tell us how your boat
fits into your life.
Where you keep it, where you take it, and who uses it matter. Let us know about paid trips, rentals, or other business use so we can discuss the appropriate insurance options.
Helpful details to have ready
- Year, make, model, and identification details
- Length, motor information, and estimated value
- Storage location and waters you use
- Operators, trailer, and onboard equipment
- Current coverage, if you already have a policy
LET’S GET YOUR WATERCRAFT QUOTE STARTED
Tell us what you’d like to protect.
Select Other in the form below and tell us about your boat, personal watercraft, or sailboat in the message field.
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