Watercraft & Boat Insurance
Watercraft & Boat Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Watercraft & Boat Insurance Information
Insurance for Boaters Across North Carolina
Whether you’re buying your first boat or on your fifth, you will need a dependable boat insurance policy to cover you and your friends. Accidents on the water are more frequent than you think, and can be devastating—especially when it involves high speeds, large boats and injuries.
The insurance professionals at James Epps Insurance are dedicated to providing quality customer service while they pair you with the boat insurance policy perfect for your boat and your lifestyle. We will help you save money on a policy without cutting back on important coverages.
What Does Boat Insurance Cover?
Boat insurance policies may include coverage such as:
Physical Loss or Damage: Physical loss and damage covers your boat in case of fire, wind, hail, explosions, lightning, theft, vandalism and more.
Liability: Liability insurance covers bodily injury and property damage you may cause to someone else while operating the insured vehicle.
Guest Passenger Liability: Guest passenger liability covers you for damages and injuries someone else may cause while operating your boat with permission.
Medical Payments: Medical payments coverage covers the medical bills for you and your passengers after an accident, no matter who caused the accident.
Boat Accessories: Additional insurance is available for the permanently attached accessories on your boat or boat trailer.
Loss of Personal Belongings: Many basic boat insurance policies don’t cover the personal items you leave on the boat. Thankfully, you can purchase additional coverage for your belongings in case they are damaged or stolen from the boat.
Ask a James Epps Insurance agent about adding coverage to your boat insurance policy today. If you have other recreational vehicles, also consider picking up RV insurance.
Will My Home Insurance Policy Cover My Boat?
A basic home insurance policy may offer limited coverage for your boat while it is in your driveway, but this isn’t enough to cover your entire boat. You should invest in a separate boat insurance policy to make sure you have coverage for yourself, your passengers and anyone else on the water.
Does North Carolina Require Boat Insurance?
North Carolina has no state law requiring you to carry boat insurance, but it is heavily recommended. Without a reliable policy, you could face thousands of dollars in damage, liability and medical payments after a single accident. Marinas will also often require boaters to carry boat insurance.
Insure with James Epps Insurance
Don’t wait for an accident to get insured. Call James Epps Insurance today at (919) 554-0475 or fill out an online quote form to get started.
Common Boat Insurance Questions
How Much is Boat Insurance?
Boat insurance premiums differ depending on your location, the value of the boat, your driving record, credit score and more. Fill out an online quote form to find out how much you can save on boat insurance with James Epps Insurance!
Which States Require Boat Insurance?
Only Arkansas and Utah require boat insurance by state law. This doesn’t mean that you don’t need boat insurance outside of these states, however. Many marinas require boaters to carry boat insurance before setting out on the water.
Why Should I Get Boat Insurance?
Your home insurance only covers a limited amount of boat insurance. You will need coverage for when you’re out on the water, including coverage for liability and lawsuits that could occur as a result of an accident.
How Does Boat Insurance Work?
When you purchase a boat insurance policy, you pay monthly premiums in return for coverage. If you have to file a claim, a claims adjuster from the insurer will investigate the claim and calculate how much compensation you will receive based on the damages and your policy.