Insurance for Boats and Personal Watercraft

Western North Carolina and NW South Carolina is home to several beautiful lakes including Lake Glenville, Lake Toxaway, and Lake Jocassee. Many residents of Cashiers and the surrounding area own boats and other personal watercraft. Like automobiles, these water recreational vehicles require broad insurance plans to ensure people and property are protected from liability and damage.

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Do I need boat insurance?

While boat insurance is not required by the states of North Carolina or South Carolina, you may still be required to have watercraft insurance by the company financing your boat, or by the marina where you dock your boat. And boats need their own insurance policies, as your homeowners insurance plans likely does not cover your boats or watercraft.

All boat owners should carry watercraft insurance to protect their property, safety and liability. Boat insurance policies may include several coverage options, including:

  • Liability insurance: Watercraft liability covers many damages or injuries for which you may be found legally liable while operating your boat.
  • Watercraft collision insurance: Regardless of whose fault it is, boat collision coverage protects you from damage caused by hitting another boat or object, or from capsizing.
  • Comprehensive boat insurance: Comprehensive watercraft insurance protects your boat from many threats outside your control, such as weather damage, theft or vandalism.
  • Uninsured/underinsured boater (UB/UIB) coverage: This insurance plan can cover the cost of medical bills and property damage if you are hit by a boater who does not have adequate insurance.
  • Watercraft medical payment insurance: This additional policy coverage can cover others should you experience injuries that are beyond the cost of your personal health insurance policy subject to the terms of the policy agreement.
  • Boat trailer insurance: Some watercraft insurance policies cover your boat from damage it may experience while on your trailer.

The friendly, independent agents at Cashiers Insurance Agency will get to know you and understand the type of watercraft insurance policy you need. We’ll then find a watercraft insurance plan to fit your needs and budget.

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You may also call (828) 743-2209 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state. 

Cashiers Insurance Agency has been a source for all of our insurance needs, both business and personal, for more than twenty years. They consistently strive to provide not just the best coverage and rates, but superior service as well. When you deal with CIA, it's like you're dealing with family!

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Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Carolinas for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.


Cashiers Insurance Agency is a member of Correll Insurance Group and works to bring you coverage that best fits your needs. Visit our corporate site to learn more.

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