Boat/Watercraft Insurance

Whether you are cruising the waters with your loved ones on Lake Hartwell or Lake Moultrie in South Carolina, you always have great memories with your boat. However, it's vital to ensure that your boating escapades are protected with reliable watercraft insurance from D4Insurance, regardless of whether you are an experienced boater or a novice who has bought a boat and is still longing to navigate the magnificent water sceneries. Boat insurance protects you, your boat, and your loved ones and ensures you have peace of mind whenever using your boat.

Is boat insurance mandatory in South Carolina?

Boat insurance is not legally mandated in South Carolina. However, your lender requires you to have boat insurance until you pay off your outstanding loan. But compliance should never be the only motivator for you to buy boat insurance. This coverage can save your finances when you least expect it.

Boat insurance coverage options

When shopping for boat insurance in South Carolina, here are coverage options you are likely to bump into:

• Liability coverage: Never leave home without this coverage because liability claims are common and can be quite expensive. Liability coverage protects you when accused of causing bodily injury and property damage to others.
• Collision coverage: Do you have enough funds to replace or repair your boat after a collision? You don't have to worry since collision coverage from D4Insurance will kick in and repair or replace your water vessel if it's damaged after colliding with another boat or a stationary object.
• Comprehensive coverage: This coverage shields the policy bearer's boat from physical damage culminating from non-collision perils like theft, falling objects, fire, or hurricanes.
• Uninsured /underinsured boater coverage: Many boat owners have been exposed to stressful moments when they collide with an inadequately covered boater or uninsured boater. The good news is that this form of policy is responsible for catering to the cost of property damage and overall medical costs propagated by another boater who is insufficiently protected or doesn't have any insurance protection.
• Towing insurance: What happens when your boat experiences a breakdown in the middle of a lake in South Carolina? How will you get your boat off the water? The only answer to this problem at hand is having towing insurance. It covers the cost of towing your boat from the water to the shore if you experience engine complications or steering problems.

While boating in South Carolina is breathtaking, it comes with inherent risks. For a worry-free boating experience, don't hesitate to contact our agents at D4Insurance for an affordable boat insurance policy.