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Watercraft Boat Insurance
In Columbia, Rock Hill, SC, Charlotte, Shelby, Gastonia, Belmont, NC, and the Surrounding Areas

Coverage for your boat and other watercraft.

Boat and watercraft insurance developed to address your needs.

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Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.

We all enjoy getting out on the water, whether that’s fishing, skiing, swimming, or other water activities. In order to keep the fun rolling in Columbia, Rock Hill, SC, Charlotte, Shelby, Gastonia, Belmont, NC, and the surrounding areas, it is important to maintain watercraft boat insurance on any watercraft that you have.

At Watson Insurance Agency, we understand all of the fun that boats can provide, and we also know how important it is to have boat insurance.

Contact us today to review your boat insurance to make sure it is providing you with the Coverage that you need.

Boat Insurance

The simple fact is that neither your auto insurance nor your homeowner’s insurance was not designed to provide Coverage for your boat. This is why it is important to have a boat insurance policy for your watercraft.

Some of the things covered by your boat insurance policy could include the hull of the boat, the sails if you had a sailboat, fuel spill liability, general liability, and a lot more.

There are a number of factors that go into the final premiums that you will pay for your boat insurance. The size of your boat, the type of boat it is (sailboat, fishing, etc.), how your boat will be stored, where you will be using your boat, and more. But even with all of this, what you will get quoted from the different insurance companies will be different.

Having an independent insurance agent will help you to find the right insurance company and Coverage for your needs.

All sorts of watercraft can be covered, from paddle boats and jet skis to skiing boats and pontoons. Insurance is there to help protect you and your boat from the things that you can’t anticipate, whether they happen on the water or off. Don’t leave your boat or your passengers unbetter protected.

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Uninsured / Underinsured Boater
Risk Factor

What happens when someone operating their personal watercraft hits you and doesn’t have enough liability insurance to cover the damage or cost of injuries? If the other party cannot pay, you could be left incurring out of pocket expenses.


Uninsured/underinsured boater insurance coverage may pay for damage if you are in a boating accident with another boater who has no insurance or does not have adequate insurance. This coverage can pay for physical or bodily injury damages.

Towing and Assistance
Risk Factor

If your boat breaks down or runs out of fuel while you’re out on the water, you may need to have it towed or to have fuel brought to you.


Towing and assistance coverage can help cover expenses associated with assistance in the event your boat breaks down, needs to be towed, or needs to be refueled.

Personal Property and Unattached Equipment
Risk Factor

Your boat or watercraft likely holds personal items and various types of equipment including fishing gear, safety equipment, water skis, deck chairs, and other items. If such items are stolen from your boat, they can be quite costly to replace.


Personal property and unattached equipment insurance can pay for personal property that you leave in your boat in the event it is stolen.

Pollution / Fuel Spill Liability Coverage
Risk Factor

In the event of a collision or salvage operation, it’s possible that your boat or watercraft could leak or spill fuel into the water. You can be held liable for the damage you cause or are responsible for in such situations.


Pollution and fuel spill liability coverage provides protection if you are held responsible for a fuel leak or spill. This policy can pay for costs associated with cleanup and restoration.

Recovery and Salvage
Risk Factor

Some collisions and accidents are so severe, your vessel may need to be recovered from the water. In other cases, it’s possible a vessel could sink.


Recovery and salvage insurance provides funds to help recover your watercraft in the event of a collision or if your vessel were to sink.

Hurricane Haul Out
Risk Factor

If you live in an area prone to hurricanes, you may opt to haul your boat out of the water or have it moved if a named storm is headed your way.


In the event you decide to haul your boat out during a hurricane, this coverage will pay for the cost of the emergency haul out. It can also cover costs associated with moving the boat to a safer harbor. Coverage generally includes fees for marina professionals and their services, captains, and dock masters.

Umbrella / Excess Liability
Risk Factor

You invite guests on to your boat and someone falls off, becoming permanently injured. They hire a lawyer and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current boat policy and providing real financial value as well as peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as a separate coverage.

Property Damage Liability
Risk Factor

Regardless of whether your watercraft is operated on a lake, river, bay, or ocean, there is always the risk of causing damage to someone else’s property. For example, you could be trying to dock your boat on a windy day when you hit against another boat or the dock and cause damage.


Property damage liability coverage protects you if your watercraft damages someone else’s property such as a boat or watercraft, a dock, or pilings. Damage could easily reach in the tens of thousands, and without the proper level of insurance, you can be left financially ruined if found at fault.

Physical Damage
Risk Factor

If your watercraft is damaged in an accident with another vessel or a collision with a dock, rock, or submerged object, the expenses associated with repair or replacement could be substantial. Your boat could also be damaged due to vandalism, explosions or fire, weather-related causes, or falling objects.


Physical damage coverage has two parts: collision (when your vessel collides with another vessel or object) and comprehensive (when your vessel is damaged due to vandalism and weather or is stolen). This coverage usually carries a deductible that you are responsible to pay before the policy begins to pay.

Agreed Value vs. Actual Cash Value
Risk Factor

Boats and watercraft can vary widely in price and value. If a loss occurs, the type of insurance policy you have can make a great deal of difference when it comes to the amount the insurance company will pay.


Because boats depreciate in value over time, the amount they are worth can be quite different than the amount it would cost to replace it. Agreed value refers to an amount agreed upon between the policyholder and the insurance company. In the case of a loss, the policy will pay the agreed value of the vessel, even if it has depreciated in value since the policy was written. Actual value refers to the value of the vessel at the time of the loss, which could leave the boat owner to pay the difference between what the insurance company will pay and the cost of a new boat.

Watercraft, Boat, and Other Auto Insurance

We have been helping boat owners help protect their watercraft for decades, and we can do the same for your watercraft as well. As an independent agency, we will shop the market to find you the right Coverage that fits your needs.

But it’s not just watercraft boat insurance that we can help you with, you will also need to have auto insurance, homeowners insurance, and other Coverages.

No matter what sort of boat you enjoy, it is a wise decision to not only have boat insurance for it but to periodically review that Coverage to make sure that it will do what you need it to if you ever need to use it.

From cars to boats and everything in between, we help people in Columbia, Rock Hill, SC, Charlotte, Shelby, Gastonia, Belmont, NC, and the surrounding areas to help protect their investments. Call us today to learn more and schedule a review of your insurance Coverages.

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