What Does Boat Insurance Cover?

Physical Damage Coverage

Protects your boat, motor, and trailer from damage caused by accidents, theft, or weather-related events, whether on the water or in storage.

Liability Coverage

Covers expenses if you’re responsible for injuries or damages to others while operating your boat, giving you peace of mind on the water.

Medical Payments Coverage

Provides coverage for medical expenses if you or your passengers are injured in a boating accident, so you can focus on recovery.

Uninsured Boater Coverage

Protects you if you’re in an accident with another boater who doesn’t have insurance, helping cover your costs for injuries or damages.

Physical Damage Coverage

Protects your boat, motor, and trailer from damage caused by accidents, theft, or weather-related events, whether on the water or in storage.

Liability Coverage

Covers expenses if you’re responsible for injuries or damages to others while operating your boat, giving you peace of mind on the water.

Medical Payments Coverage

Provides coverage for medical expenses if you or your passengers are injured in a boating accident, so you can focus on recovery.

Uninsured Boater Coverage

Protects you if you’re in an accident with another boater who doesn’t have insurance, helping cover your costs for injuries or damages.

Boat Insurance in North Carolina:

What You Should Know

North Carolina’s beautiful coastlines and waterways make boating a popular pastime, but it also brings unique risks, from hurricanes to high boating traffic. Boat insurance helps protect your investment and offers liability coverage tailored to your boating needs. At Sizemore Insurance, we work with you to find coverage that fits your lifestyle, so you can enjoy the water with confidence.

Frequently Asked Questions

Is boat insurance required in North Carolina?

While it’s not required by law, having boat insurance is strongly recommended to protect your investment and ensure you’re covered in case of accidents or damages.

Does boat insurance cover my boat when it’s in storage?

Yes, most boat insurance policies cover your boat both on and off the water, including while it’s in storage.

What types of boats are covered by boat insurance?

Boat insurance can cover a variety of watercraft, from personal watercraft to larger vessels. We can help you find coverage based on the type of boat you own.

Can I get coverage for equipment on my boat, like fishing gear?

Yes, many policies offer optional coverage for fishing gear, electronics, and other equipment. We’ll work with you to make sure everything valuable on your boat is protected.