Watercraft & Boat Insurance
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Watercraft & Boat Insurance Information
Boat Insurance in North Carolina
If you are considering purchasing a boat of any kind, you are going to want to be confident you can protect it. Similar to any other vehicle, boats are at risk of accidents and you need to make sure you have the necessary boat insurance benefits to help you bounce back from any losses you may endure on the water.
Simmons Insurance Agency is proud to be the top choice in Pilot Mountain's for personalized boat insurance benefits. When you choose us, we take the stress out of dealing with a large, unresponsive insurance company, while assisting you in selecting tailored, inexpensive benefits that will always be there when you need them. Our goal is for every client to walk out our doors with the satisfaction of receiving top tier coverage to keep them safe in all aspects of life.
Call us at or request your free policy quote now!
Common Boat Insurance Questions
Why Do I Need Boat Insurance?
Boats are motorized vehicles and waterways are similar to a public road. There are also speed limits, traffic lanes and laws that prohibit drinking while boating. Due to this, whenever you take your boat out on the water, you are up against the same hazards and liabilities as you do when driving a vehicle on the road. It is critical that you protect yourself and your property against the risk of expensive, unforeseen challenges that may arise while you are on the water. Boat insurance will aid in helping you get back on your feet from these challenges.
What is Covered Under Boat Insurance?
Boat insurance includes a variety of different type of coverage, such as:
Physical Damage: This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.
Medical Payments: This covers medical expenses for the policyholder and their passengers after an accident.
Liability Insurance: This covers bodily injury and property damage the boater may cause to someone else in an accident.
Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat.
Your plan can also contain a host of other benefits like:
Pollution Liability Insurance
Tow Trailer Coverage
Agreed Value Insurance
Personal Effects Coverage
Fishing Equipment Coverage
How Much Boat Insurance Do I Need?
When starting your policy, ask one of our agents to assist you in curating your coverage in order for you to get the most of it. Our mission is to minimize your financial losses from any boating accident. Therefore, consider each of these questions:
How much would it cost to buy a new boat if mine is totaled?
What activities will I be doing on my boat?
Will I need to insure people on the boat if they get injured in an accident?
Your boat insurance policy can offer you the right amount of benefits to assist you in answering those questions. Don’t hesitate to reach out to your agent to help you better understand your policy options and determine which benefits are best for your needs.
Is Boat Insurance Required?
Boat Insurance is typically not required if you are not operating commercially. However, if you decide to finance your boat when you purchase it, your lender may ask you purchase a minimal amount of coverage for physical damage.
What Does Boat Insurance Cost?
Boat insurance rates may vary based on several factors, such as your:
Value of the boat
We completely understand that the cost of your boat insurance is critical to you. Our team will work to search our network of carrier partners to put together the policy benefits you desire, for a price you can afford. You can also bundle your boat insurance with your auto, home, or other personal insurance to maximize your overall savings.