At McB Group Insurance Services, we can insure all types of watercraft. Whether you have a sailboat or houseboat at the North Carolina Coast, or a fishing boat or ski boat at Jordan Lake, we have you covered.
What Kind of Boat Do You Have?
Of course, liability insurance and physical damage coverage are important, but boat owners should consider other types of coverage depending on the use of their watercraft. High performance boats may have the need for replacement cost of the motor and vessel, while coastal boats need to have additional coverage for the body of water they navigate in and special electronic and navigational equipment endorsements. The avid fishermen needs special coverage for gear and participation in fishing tournaments.
How Old is Your Boat?
If your boat is less than ten years old, we may be able to help you find a policy that minimizes your out of pocket expense with extended parts replacement coverage. If your vehicle is 10 or more years old we may be able to help you find a policy that has an agreed value amount rather than actual cash value since boats typically depreciate quickly.
Other Watercraft Protections
Many boat owners should also consider coverage for boat trailers, and lifts which can be quite costly to repair or replace. Almost any watercraft owner should have emergency assistance and towing. Make sure you are adequately protected from other boat owners who may be uninsured or underinsured. Be safe and keep coverage on boats even during dry or layup periods.
Contact McB Group today for a quote on a watercraft policy.