Laws vary by state, and you're not required in Georgia or South Carolina to have insurance on your personal vessel.
However, there are certain situations that may require you to have a boat policy:
- if you store your boat at a marina or boatyard, you may be required to have liability insurance
- if you finance your boat, your lender may require you to have comprehensive and collision in addition to the standard boat policy
With both states having so many boating opportunities both inland and on the coast, it makes sense to protect your investment by having insurance on your boat and, if you transport it by trailer, by having coverage on it, too.
Coverage options vary with each owner's needs, but items to think about in deciding on a policy include:
So, enjoy navigating the waterways with confidence by consulting with your local independent insurance expert to customize a boat policy specifically for you.