Watercraft & Boat Insurance in Easley, SC
Watercraft and boat insurance may help cover losses related to owning and operating a boat or other personal watercraft. Policies vary by provider but generally offer financial support if your vessel is damaged, stolen or involved in an accident.
What Does Watercraft and Boat Insurance Cover? 
Most standard policies include coverage that applies while your boat is in use, in storage or being transported. These coverages typically include the following:
- Liability coverage may pay for injuries or property damage you may cause while operating your vessel.
- Collision coverage may help cover the cost of repairing or replacing your watercraft after a crash.
- Comprehensive coverage may cover noncollision incidents like fire, theft or vandalism.
- Medical payments coverage may help pay minor medical expenses for you and your passengers after an accident.
- Uninsured/underinsured boater coverage may provide financial support if the other driver is at-fault in an accident and has insufficient liability coverage.
Policies often exclude damage from wear and tear, mold or animal infestations. Mechanical failures and manufacturing defects are also typically not covered. Using your boat in a race or for commercial purposes may also void coverage, depending on the policy terms.
What Optional Coverages Can I Add to My Policy?
Optional coverages include roadside assistance for boat trailers, coverage for personal items like fishing gear or electronics, and emergency services like towing or fuel delivery. Some insurers also offer coverage for boats used in international waters or for high-value watercraft requiring special valuation. Your agent can help you review options and choose add-ons that reflect how and where you use your boat.
Secure a Policy Today
Mahaffey Insurance Agency can help you secure a suitable watercraft and boat insurance policy. Contact us today to get started.