Watercraft & Boat Insurance in Chester, SC
Owning a boat offers freedom and adventure on South Carolina’s beautiful waters, but it also comes with risks. Luckily, boat insurance offers vital financial protection, so you won’t have to face unexpected financial mishaps alone. Our agents are dedicated to helping you traverse the intricacies of boating insurance, ensuring you find the right coverage tailored to your needs and giving you peace of mind on every voyage.
Boat Insurance and What It Covers
Boat insurance is a contractual agreement between you and the insurance provider. It stipulates the terms of coverage, including what is financially protected and the conditions under which claims can be made. For South Carolina boat owners, having insurance helps shield your investment from unforeseen financial events, whether on Lake Murray or along the coastline.
Coverages vary depending on your needs and preferences; however, common boat insurance policies may include financial protection for the following:
- Damage to your boat—This may cover damage to the hull, sails and more.
- Bodily injury & property damage liability—This can cover you if you’re in a boat accident and liable for injuring others or damaging their property.
- Fuel spill liability—This coverage might pay for fuel spills that occur.
- Personal belongings—This may cover items such as clothing, electronics or fishing gear that you keep on your boat, up to policy limits.
- Emergency assistance—Some policies might offer coverage for emergency services, such as towing or fuel delivery.
- Wreckage removal—If your boat sinks, this coverage may help pay for the cost of removing your boat from the water.
Why Do I Need Boat Insurance?
South Carolina’s abundant waterways and boating activities make it a wise investment for any boat owner. Accidents can happen, whether it’s a collision with another boat, a submerged object or an unexpected weather event. Boat insurance helps you enjoy your time on the water without constantly worrying about what could go wrong. This peace of mind is invaluable, allowing you to focus on the enjoyment and adventure of boating.
Secure Your Vessel Today
Don’t leave your cherished watercraft vulnerable to the unpredictability of the open water. Contact The Wyatt Agency today to learn more about our watercraft insurance policies tailored to your needs.