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Why All Boaters Should Have Boat Insurance

There’s nothing like spending the day cruising the waterways of South Carolina or relaxing while filling your cooler with fish caught in a salty marsh or creek. If you own a boat, it’s important that you protect yourself and your watercraft with insurance designed to cover damages in the event of an accident on the water. If you want to learn about the insurance options available for your boat, call one of the insurance advisors at South Carolina Federal Insurance Solutions before you find yourself in choppy waters.

Why Boat Insurance

Boating Accidents

Although South Carolina law does not require boaters to purchase insurance for their watercraft, it may be required by your lender and most marinas require it to be docked at their facility. Even if boat insurance isn’t required, it’s smart to protect your investment with insurance for risks like theft, collisions on the water and while trailering, fuel spillage, and other unexpected events. Boat insurance will help pay for damages to your boat as well as any damages or injuries you may cause to others. This protection is important to maintain your financial well-being.

Boat Coverages

Just as there are many types of coverage available in an auto insurance policy, there are different kinds of boat insurance coverage. Boat insurance protects you financially from injuries or damage you cause to others while boating. Insurance can cover your watercraft, motor, and trailer if stolen or physically damaged. Also, you can select and purchase additional coverages, such as uninsured/underinsured boater coverage, to give you more protection on the water. These costs won’t be covered under your homeowners policy.

Peace of Mind for Happy Sailing

Call Insurance Solutions at (833) 359-0725 to answer your questions and get a hassle-free boat insurance quote. It will give you the peace of mind knowing that you and your boat are adequately covered.

Three things to know about bodily injury coverage through boat insurance

While boating is a favorite pastime in South Carolina, accidents can happen resulting in injury or property damage. Boat and watercraft insurance can help provide financial protection when something unexpected occurs. Bodily injury is one of the numerous types of boat insurance coverage that you’ll want to include on your policy.

The following are three things to know about bodily injury coverage through boat insurance:

You could be held liable for medical costs that another party has to pay because of an injury from an accident you caused.

Bodily injury insurance is important because boat owners could be held liable for medical expenses. If you’re determined to be legally responsible for a boating accident that resulted in physical harm to others, you are expected to pay for their medical care.

Bodily injury coverage comes along with liability coverage.

Liability coverage is the most basic type of coverage that a standard boat insurance policy should include. In the event of an accident, this coverage helps you to pay for damages you cause in addition to any injuries suffered by the passengers on your boat.

Bodily injury coverage helps protect you from lawsuit costs.

With bodily injury coverage, you’ll be protected from costs that result if you get sued due to medical care expenses. Bodily injury coverage doesn’t only cover medical bills but also legal fees if you are taken to court.

Give Us A Call

Email or call us at Insurance Solutions today to learn more about the benefits of boat and watercraft insurance. We can answer your questions and help you compare available options and rates from various boat insurance companies so that you can make the most informed decision when insuring your boat.

Is There A Different Between Insuring A Boat And A Yacht?

Many residents of South Carolina own either a boat or a yacht. If you are one of these residents and are looking to get insurance for your vessel, you might be wondering whether there is a difference between insuring a boat or a yacht. Just based on appearance, yachts are vessels over 27 feet in length, while boats measure 26 feet or less in length.

Here are the differences between boat and yacht insurance that the insurance experts at South Carolina Federal Insurance Solutions want you to know. 

Boat And Yacht Insurance: What You Need To Know

Navigational limit

Boat and yacht insurance have varying navigational limits. Typically, yacht insurance offers a significantly larger navigational limit than boat insurance. 

Overland transportation

Boat insurance typically provides coverage for unlimited overland transportation. On the other hand, yacht insurance usually only allows for several hundred miles of overland transportation.


Yacht insurance allows for up to a 3% deductible for hull damage coverage, and the deductibles on windstorm loss, marine electronics loss, and total loss can vary depending on the policy. In contrast, boat insurance only offers fixed deductibles, usually $250, $500, and $1000. 

Liability coverage

The liability coverage for yacht insurance is significantly broader than what is available with boat insurance. Yacht insurance is designed to offer broader liability coverage to deal with the increased risk of having a larger vessel, a larger crew, and the effects of maritime law. If the captain or a crew member of a yacht is injured on the job, they can sue their employer/ yacht owner under federal law. 


Traditionally, yacht policies have warranties like navigational limit territories, seaworthiness, and navigational lay-up limits. Boat policies don’t require warranties, although some insurers opt to include them.

Contact Us Today

Are you looking for boat or yacht insurance? Call one of our experienced insurance advisors at (833) 359-0725.

What Does Boat Insurance Cover?

South Carolina has an beautiful coast and an abundance of waterways. Its residents enjoy water-skiing, fishing and just cruising the day away in their boats! You want to make sure your watercraft and passengers are protected from the unique risks encountered while on the water. Did you know that risks, such as fire or theft, may happen whether or not your boat is in use? If you do not currently have boat insurance coverage, contact Insurance Solutions for a free quote.

Injury Liability

If you are deemed at fault for a boating accident that leads to another individual’s injuries, there is a risk of being sued for injury-related damages. You can potentially shield yourself from these costs by having boat insurance. In addition, a policy can offer coverage to reduce legal expenses that you could incur in these situations.

Property Damage Liability

From mechanical failure to bad weather, there are a number of reasons you could wind up in a boating accident. In the event that a collision is your fault, you are likely to be held liable for any related damages. A boat insurance policy will cover the repair or replacement of any property that was damaged as a result of the accident up to the amount specified in the policy.

Uninsured Boat Operators

If you are involved in an accident on the water caused by someone else, they might have the proper insurance coverage to cover any damages and they might not. If this occurs, it can be beneficial to have your own policy that offers protection for damages that are sustained during a collision with other watercraft operators who are uninsured.

If you would like to learn more about what boat insurance can cover, contact us at Insurance Solutions. We will help you select from available insurance coverages to suit your individual needs.

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