Watercraft & Boat Insurance

Boating in Jacksonville, North Carolina, is an enjoyable experience, but unpredictable waters, potential for accidents and risk of theft make boat insurance essential. Whether you’re a seasoned boater or a weekend enthusiast, the right insurance can protect you from financial losses due to damage, liability claims and medical expenses.

Ashlie Fortune Insurance can offer tailored insurance solutions to meet the unique needs of boat owners. With a deep understanding of the local boating culture and specific risks, we can provide robust coverage options to ensure your vessel, passengers and finances are well-protected

What Is Boat Insurance?

Boat insurance may cover your boat or personal watercraft against various risks, including accidents, theft and liability for damage or injury to others. This insurance can ensure that you and your investment are financially protected on and off the water.

Why Do You Need Coverage?

Boat insurance is essential for several reasons:

• Accident coverage—If your boat is involved in an accident or is stolen, the expenses associated with repairs or replacements can be quite costly. Having this coverage may help mitigate these financial burdens.

• Medical expenses coverage—This may cover the high costs of medical care if you or your passengers are injured in an accident.

• Liability protection—If your boat causes damage or injury to others, this may help cover potential lawsuits and financial claims.

• Land protection—Even when your boat is on land, accidents can occur during towing and while in storage, so this may provide financial coverage.

What Types of Boats Are Covered by My Policy?

Boat insurance can typically cover various types of watercraft, such as the following:

• Motorboats

• Sailboats

• Personal watercraft (e.g., jet skis)

• Fishing boats

How Much Does Boat Insurance Cost on Average?

Boat insurance rates may depend on several factors, including the boat’s value, age, type, length and horsepower. Other considerations include adherence to U.S. Coast Guard Standards, usage, location, coverage type, boating safety certification, claims history, coverage limits and deductibles.

Learn More

If you’re looking for a dependable boat insurance provider, call Ashlie Fortune Insurance. Contact us today to discuss your boat insurance needs or request a free quote.