Watercraft & Boat Insurance in Sumter, SC
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Boating can be enjoyable, but it also involves the risk of accidents and damage. A boat insurance policy may provide essential financial support after accidents, collisions or other mishaps involving your watercraft.
Do I Need Boat Insurance? 
Unlike car insurance, most states don’t legally require boat insurance. However, you’ll likely need coverage if you have a boat loan or use certain marinas. Many marinas and inland waterways require at least liability coverage before allowing you to dock or launch your boat.
When Should I Get a Policy?
It’s advisable to purchase insurance for your boat if you relate to any of the following circumstances:
- If your boat is valuable
- If you have a loan on the boat
- If you operate in crowded waters
- If you use your boat for waterskiing or other recreational activities
- If you have expensive equipment or fishing gear onboard
- If you boat in areas prone to severe weather
What Does Boat Insurance Typically Cover?
The coverage included in a boat insurance policy often varies by provider; standard policies may consist of coverage for the following:
- Physical damage to your boat from accidents or weather
- Liability for injuries to others or damage to their property
- Medical payments for injuries to you and your passengers
- Theft of your boat or equipment
- Fuel spill liability
- Towing and emergency assistance
How Much for Coverage?
Several factors determine the cost of a boat insurance policy. Many insurers calculate premiums based on your boat’s size and type, age and condition, and primary use (e.g., fishing, recreation, living aboard). Additionally, your boating experience, claims history and chosen coverage limits may impact the cost.
Secure the Best Boat Insurance for You
Get the right plan for your watercraft and keep your water adventures worry-free. Contact Gamecock Insurance Agency today to explore boat insurance options. Our agents can help you understand your coverage needs and find competitive rates.