From weekend fishing boats to commercial marine operations, we provide specialized insurance coverage for everything on the water. Our coastal expertise means you're working with agents who understand the unique risks of Eastern North Carolina's waterways.
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Whether you're a recreational boater enjoying the Neuse River or running commercial operations along the coast, maritime insurance requires specialized knowledge. Our independent agents work with multiple carriers to find coverage that matches your vessel, your operations, and your budget.
Your boat is more than transportation—it's where memories are made. We protect recreational vessels of all sizes, from bass boats to luxury yachts, with coverage for damage, liability, and personal property on board.
Commercial marine operations face unique exposures that standard policies don't cover. We specialize in protecting charter captains, marine contractors, salvage operators, and marina owners with tailored coverage solutions.
When your business depends on cargo reaching its destination safely, you need coverage that understands global shipping risks. We provide ocean cargo insurance and specialty marine coverage for operations that don't fit standard categories.
Our independent agents have served boat owners and marine businesses across Eastern North Carolina for decades. We understand these waters, these risks, and these communities—because we're part of them.
After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!
I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…
Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …
Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.
Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …
Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.
We know Eastern NC waters—the risks, the seasons, and the coverage your vessel actually needs.
When disaster strikes on the water, you need advocates who've handled maritime claims before.
We shop your coverage across specialized marine insurers to find the best protection and price.
Hurricane season, winter storage, spring launch—we're here whenever you need policy guidance.
No cookie-cutter policies. We build coverage around your specific vessel and how you use it.
You'll work with the same agent who knows your boat, your family, and your coverage history.
Have questions about protecting your boat or marine business? Our agents are here to help. Call us at (252) 637-4173.
Agreed value coverage pays you a predetermined amount if your boat is totaled, regardless of depreciation. Actual cash value pays the current market value at the time of loss, which decreases over time. For most boat owners, agreed value provides better protection and eliminates disputes at claim time.
Most policies have navigational limits that define where your boat is covered. Coastal policies typically cover nearshore waters, while ocean policies extend further offshore. We'll make sure your coverage matches where you actually boat—whether that's the Neuse River, the Intracoastal Waterway, or offshore fishing grounds.
Your boat policy typically covers the trailer while it's attached to your vessel. However, coverage while towing may require coordination with your auto policy. We'll review both policies to ensure there are no gaps when you're hauling your boat to the ramp.
Commercial marine policies cover business-specific exposures like customer injuries, loss of income, crew injuries, and commercial liability limits. If you're chartering your boat, running fishing guides, or operating any marine business, you need commercial coverage—recreational policies exclude commercial use entirely.
Most marine policies cover hurricane damage, but may require you to follow a named storm plan—moving your vessel or taking specific precautions when a storm is forecast. We'll help you understand your policy's requirements and make sure you're prepared before hurricane season arrives.