So now you’re the proud owner of a boat. Before you literally break open the champagne, you need to get your boat insured. While it may not be a legal requirement in North Carolina, it’s still a very good idea to have some. While the state might not require it, many docks and private marinas do. And let’s face it, these things are expensive! If your boat is damaged, you might want some recompense.
What Boat Insurance Covers
Property damage liability coverage can pay for any damages your boat might have caused to another boat, dock, marina, or other property. Bodily injury liability coverage can aid in paying off medical and legal expenses should you be responsible for injuries someone took due to your boat. If you do tubing or water skiing, you may want to look into water sports coverage. While you aren’t required to have boat insurance in North Carolina, you are required to clean up after yourself. Boat insurance can help you pay for wreckage removal and cleaning up fuel spills.
What Else Can Boat Insurance Cover?
There are some options you can add to your boat insurance if you think it prudent. While North Carolina winters are fairly mild, it can get cold enough to freeze in some places. If you dock in a mountain lake during the winter, you may want to look into ice/freeze coverage. If you go fishing on your boat, you can get your tackle insured. You can also select an insurance option that covers towing if you think you’ll need it.
Craig Insurance Group Serving Raleigh, NC
If you are in need of boating insurance and live in the Raleigh, NC area, please contact Craig Insurance Group. Our knowledgeable agents will be dedicated to helping you.
