Boat/Watercraft Insurance in North Carolina

Boat/watercraft Insurance

Protecting your investment is a big deal if you plan on taking it on the shores of North Carolina. Boat insurance is intended to give you peace of mind so if you are ever to experience an accident, you will be covered. The coverage is good while you are at home or on the water. We can help you find the right coverage for your boat or watercraft here at Holmes Insurance Services in Youngsville, NC.

Boat/Watercraft Insurance Requirements

North Carolina does not require boat owners to obtain insurance, although it is highly recommended. It may, however, be required if you are looking to keep your boat docked at a marina. You must register your boat and obtain the necessary title, ownership, and certificate of registration prior to operating your watercraft on state waters.


You can obtain any of the following coverage types for your boat or other watercraft:

  • Bodily injury- This option will cover the costs of your medical expenses, as well as legal defense and settlement costs in the event you are sued as a result of a boating accident.
  • Property damage- This option will cover repairs and other damages that are court-ordered as well as legal defense costs if you damage another boat, property, or watercraft by accident.
  • Wreckage removal- This is another option that covers a certain percentage of recovery expenses if your boat were to get damaged while on the water or sink.
  • Pollution liability- If your boat leaks oil or fuel in the water you are responsible for the clean-up financially. This option will cover the clean-up costs depending on your policy limits.

You have the option to choose the coverage level you think you may need based on your boat value as well as your own financial obligation to cover damaged or lost items. Liability coverage will keep you protected from lawsuit expenses.


Visit our Holmes Insurance Services website today to obtain a quote. We are located in Youngsville, NC.

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