Hull & Equipment

Coverage for the boat itself, including the engine and permanently attached equipment, in the event of a collision, fire, or storm.

Personal Property & Gear

Protection for your fishing tackle, life jackets, and other unattached equipment that stays on the boat.

Uninsured Boater

Just like on the road, this protects you if you are involved in an incident with a boater who carries no insurance.

Trailer Coverage

Don’t forget the journey to the ramp. We ensure your trailer is protected against road accidents and theft.

Liability & Fuel Spill

Crucial protection for bodily injury or property damage to others, including mandated coverage for accidental fuel spill cleanup.

Boat insurance is not a standard ‘add-on’ to your home policy. To truly protect your investment, we focus on the details that matter to Lowcountry mariners:

  • Agreed Value vs. Actual Cash Value: We prefer “Agreed Value” policies for our clients, ensuring that in the event of a total loss, you receive the full amount we agreed upon upfront—not a depreciated market value.
  • Hurricane Haul-Out: Many of our premium policies help cover the costs of professionally hauling and storing your boat when a named storm is approaching.
  • Navigation Limits: Whether you stay in the Intracoastal or head 50 miles offshore, we ensure your policy’s “navigational territory” matches your actual usage.
  • Wreckage Removal: Comprehensive coverage that pays for the recovery and removal of your vessel if it sinks or is stranded.
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