North Carolina Boat/Watercraft insurance coverage

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Boat/Watercraft insurance coverage

Boat/Watercraft Insurance

Boat insurance is not a requirement in North Carolina, but having coverage is a good idea because it helps protect your boat, passengers, and belongings in the event of a covered incident. Plus, with more boaters taking to the waterways in North Carolina for a variety of recreational activities, accidents are on the rise, and boat insurance is the only way to ensure that you won’t be on the hook for paying costly repairs and damages to third parties if an accident happens. At Fortified Insurance Partners in North Carolina, we can help you customize a policy for numerous types of vessels from sailboats to yachts to jet skis to fishing vessels.

Similar to other types of insurance, boat insurance includes several standard coverages:

  • Liability: Helps pay for damage or injuries to third party property or people.
  • Medical Payments: Offers monetary assistance to help pay for injuries that you or a passenger sustain while boating.
  • Comprehensive: In addition to coverage for “Acts of God” incidents like fire and natural disasters, comprehensive coverage also protects your watercraft from theft and vandalism.
  • Underinsured/Uninsured Watercraft Coverage: Given that boat insurance is not a state requirement, there is always the chance that you will be involved in an accident with a boat owner that does not carry insurance. In these situations, you may be on the hook for thousands of dollars in damages, but with underinsured/uninsured coverage, your insurance policy will help cover some of those costs.

North Carolina has no shortage of beautiful waterways for boat and watercraft enthusiasts. Let the team at Fortified Insurance Partners protect your vessel so that you can enjoy a relaxing time on the water. Give us a call today to schedule a no-obligation consultation to learn more about your boat and watercraft insurance options.

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