Boat Insurance

In North Carolina, there are more than 300,000 registered boats—evidence that boating is one of our state's most popular activities. Did you know that the type of boat you own and the kinds of activities you use it for can directly impact what sort of risks your boat may be exposed to? From fishing and water skiing to sailing and cruising, different activities pose different exposures to hull damage, equipment theft, and other causes of property loss and legal liability.

Boat insurance is not a one-size-fits-all proposition. We can tailor the right insurance for a range of different watercraft:

  • Jet skis
  • Power boats of all varieties
  • Sailboats
  • Yachts
  • Trailers
  • Related Equipment

As an independent insurance agent, Mountcastle Insurance is able to offer you policy options from numerous, top-rated boat insurance companies. This lets you take advantage of our position to review and recommend several competitive boat insurance quotes all in one place. We can also offer custom coverage options such as on-water towing and fuel spill coverage.

Boat Insurance FAQs

Your boat insurance may cover some physical damage to your hauling trailer, but you typically need separate coverage specific to trailers and boat accessories. Not all boat insurers will cover the trailer, so be sure to ask about options.

Boat insurance will typically help cover physical damage to your boat, whether it's incurred in the water or on land, up to the limits of your policy. A boat policy will not, however, cover your liability for damages to another vehicle or person while you're hauling your boat. This protection may come from your automobile insurance.

While there is some limited coverage (approximately $1,000-$1,500 depending on company), the homeowner's policy will not cover total cost of replacement above that cap. In addition, the loss generally must occur at your home.