From bass boats on the Neuse to offshore fishing vessels in the Atlantic, Eastern North Carolina's waterways demand proper protection. Our boat insurance covers your vessel, your equipment, and your liability whether you're fishing the sounds, cruising the Intracoastal, or heading offshore.
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Your boat represents significant investment and countless hours of enjoyment. Comprehensive boat insurance protects your time on the water:
Protects your boat's hull, deck, and permanently attached equipment against physical damage from collision, storms, fire, theft, and vandalism. Covers repair or replacement costs up to your policy limits.
Covers your outboard motors, trolling motors, electronics, fishing equipment, and other gear. Protection applies whether equipment is damaged, stolen from the boat, or lost overboard.
Protects you financially if you cause injury to others or damage their property while operating your boat. Covers legal defense costs, medical expenses, and judgments up to your policy limits.
Pays for on-water towing when your boat is disabled, plus fuel delivery, battery jumps, and other emergency assistance. Essential coverage when you're miles from the nearest marina.
Protects you when another boater causes injury or damage but has no insurance. Similar to uninsured motorist coverage for your car, this coverage fills gaps left by irresponsible boat owners.
Covers personal items aboard your boat including fishing tackle, water sports equipment, clothing, and electronics not permanently attached to the vessel.
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Our coastal waters present unique boating challenges and insurance considerations. Understanding local risks helps ensure proper protection:
Proper storage and preparation during hurricane season affects your coverage. We help you understand policy requirements for storm preparation and ensure your boat is protected whether stored at home, in a marina, or on a lift.
Coastal boating accelerates wear on hulls, motors, and electronics. Our policies account for saltwater use and help you maintain coverage for vessels exposed to our marine environment year-round.
Coverage needs differ between calm sound waters and offshore Atlantic trips. We ensure your policy covers where you actually boat—whether that's the Neuse River, Pamlico Sound, or 50 miles offshore.
Many Eastern NC boaters trailer their vessels to different launch points. We coordinate boat and trailer coverage to protect your complete rig from launch ramp to fishing grounds.
Our agents understand Eastern NC waters—the sounds, rivers, inlets, and offshore fishing grounds. We know where you boat and what risks you face, so we can recommend coverage that actually fits.
We offer agreed value coverage that pays the full insured amount in a total loss, not a depreciated actual cash value. You know exactly what you'll receive if your boat is totaled or stolen.
Competitive anglers need coverage that addresses tournament fishing activities. We ensure your policy covers prize money disputes, tournament-related liability, and enhanced equipment values.
Many coastal families own multiple watercraft. We bundle boats together for premium discounts and streamlined coverage management across your entire fleet.
Some policies reduce coverage during off-season storage. We help you maintain appropriate protection year-round, whether your boat is in the water or winterized in your yard.
When damage occurs—whether from a storm, collision, or theft—our agents guide you through the claims process. We know marine surveyors, repair facilities, and how to document losses properly.
From freshwater bass boats to offshore center consoles, we help Eastern NC boaters find the right coverage. Have questions about protecting your vessel? Call us at (252) 637-4173.
Homeowners policies provide limited coverage for small boats—typically under 25 horsepower with low value limits. Most boats need separate marine insurance for proper protection. We evaluate your specific boat and recommend appropriate coverage.
Agreed value pays the full amount listed on your policy in a total loss. Actual cash value pays the depreciated value at time of loss. For most boats, agreed value provides better protection and more predictable claim settlements.
Yes—personal effects coverage protects fishing tackle, rods, reels, and electronics not permanently attached to the boat. Coverage limits vary by policy, so we ensure your equipment value is properly protected.
Most boat policies cover permissive users—people you've given permission to operate your boat. However, coverage may have restrictions. We clarify who's covered under your policy and recommend adequate liability limits.
Yes—accidents and theft can happen anytime. Occasional-use policies or lay-up periods may reduce premiums while maintaining essential coverage. We structure policies around how you actually use your boat.
Policies remain in effect during hurricanes, but most require you to take reasonable precautions. We explain your policy's storm preparation requirements and help you document compliance to ensure smooth claims if needed.