Coverage for boaters and marine risks
From recreational boats to commercial vessels, marine exposures are part of life along the Lowcountry and Grand Strand. Standard homeowners policies provide very limited boat coverage, so most owners need dedicated boat or marine insurance.
What boat and marine policies address
- Physical damage to the vessel and equipment
- Liability for injury or property damage while operating the boat
- Medical payments and uninsured boaters coverage (when available)
- Trailer and optional equipment coverage
Coverage needs differ for personal watercraft, fishing boats, sailboats, and commercial operators. Local agents who regularly place marine risks can help match limits, deductibles, and navigation territories to how and where you use the vessel.