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DeBruhl's Insurance Services

350 Sardis Rd ,
Asheville, NC 28806

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North Carolina Boat/Watercraft insurance coverage

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Boat/Watercraft Insurance in North Carolina

Are You Required to Have Boat Insurance in North Carolina?

Boat insurance isn’t required in the state, but it is still a good idea to have in order to protect your watercraft. Boats do have some limited coverage under a homeowner’s policy, but it can be restricted to certain types of boats, such as boats with inboard motors of less than 50 horsepower or sailing vessels fewer than 26 feet long. It may be possible to add a watercraft endorsement to your homeowner's policy, or you can get boat insurance for maximum coverage in Asheville, NC.

What Can Boat Insurance Cover in North Carolina?

Boat policies aren’t standardized like many homeowner’s insurance and automobile policies are in the state so that each policy can be a bit different. An agent at Debruhl's Insurance Services can help you come up with a policy for your needs and also help you understand what is covered in your coverage.

Physical damage coverage is usually going to be based on actual cash value. This means that it pays the boat’s current replacement cost, minus depreciation. Occasionally, an insurer will offer an agreed value policy. This policy will pay for repairs or replacement if the boat is damaged by fire, lightning, vandalism, collision, windstorm, or theft. Items that are covered include the vessel itself, along with the motor and the trailer. You can also get coverage for personal property that is kept on board. There may also be separate policies for fishing equipment stowed on board.

Liability coverage is one important reason to have boat insurance, and it pays for any bodily injury or property damage for which you are responsible. Coverage may also include a provision to remove a sunken vessel if the law requires it. Medical payments coverage will pay for any medical or funeral expenses due to a boating accident. This coverage can be limited but can also be increased for a higher premium.

Contact Debruhl's Insurance Services, serving Asheville, NC, to get a quote on boat and watercraft insurance.


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Servicing States

  • North Carolina
  • South Carolina
  • Tennessee