Associates for Insurance Services
Boat Insurance
Hull, liability and equipment coverage for boats on Bogue Sound, the inlets and the ocean.
The waterfront at Swansboro. Photo: Wikiwiki54789, CC BY-SA 4.0
What boat insurance covers
A boat policy covers physical damage to the hull, motor and equipment, your liability if you injure someone or damage property on the water, medical payments and often the trailer. A homeowners policy provides very little watercraft coverage, so a boat of any real size needs its own policy.
Why it matters
Boats are costly to repair, and an incident on the water can involve other boats, swimmers and docks. The liability side of a boat policy matters as much as the hull coverage, and where the boat sits during hurricane season matters to both.
Who it is for
Owners of center consoles, skiffs, pontoons, sailboats and personal watercraft kept in Cedar Point, Swansboro, Cape Carteret, Emerald Isle, Morehead City or Atlantic Beach, whether trailered, in a slip or in dry storage.
Here, specifically
Bogue Sound, the White Oak River, Bogue Inlet and the ocean beyond are different water. The application asks where the boat is used and kept, how it is secured when a storm is named, and whether it is trailered home. Named-storm haul-out coverage is available on some policies.
What a policy can include
- Hull, motor and equipment
- Watercraft liability
- Medical payments
- Uninsured boater coverage
- Trailer coverage
- Named-storm haul-out reimbursement where available
How a quote goes
- 01
A conversation first
What you are protecting, how it is used, and what has changed since the last policy was written.
- 02
We look at the options available
Not every insurer writes every risk. We identify the options that fit the property, the vehicle or the business, and compare them.
- 03
We read for gaps
Deductibles, exclusions and limits, not just the headline number, so nothing surprises you later.
- 04
Plain English, zero pressure
We walk you through what each option does and leave the decision with you.
Questions we get about boat insurance
Does my homeowners policy cover my boat?
Information is general in nature and may not reflect your specific situation. Contact us for guidance on your own policy.
Let's talk about your boat insurance.
A conversation about what you have and what your options look like, with zero pressure.