Boat & Watercraft Insurance

Coverage for boats, jet skis, and watercraft navigating Charleston Harbor, the Intracoastal Waterway, and the Atlantic coast.

Living in the Lowcountry means easy access to some of the finest waterways on the East Coast, and proper watercraft coverage is essential. Harbor Point Insurance provides hull, liability, and personal property coverage for sailboats, powerboats, jet skis, and fishing vessels. We work with marine specialty carriers who understand the risks of operating in Charleston Harbor, the Intracoastal Waterway, and nearshore Atlantic waters. Our policies cover storm damage, theft, collision, fuel spill liability, and on-water towing. Whether your boat lives at a Shem Creek marina or on a trailer in your Mount Pleasant driveway, we build a policy around how and where you actually use your vessel.

What's Included

Hull and liability coverage
Hurricane haul-out provisions
On-water towing and assistance
Agreed value or actual cash value

Boat & Watercraft Insurance Service Areas

We provide boat & watercraft insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

Does my boat insurance cover hurricane damage?

Most boat policies cover named storm damage, but many require you to follow a hurricane haul-out plan. If a named storm is forecast and you fail to haul or secure your vessel as outlined in your policy, coverage may be reduced or denied.

Do I need boat insurance if I only use my boat on weekends?

Yes. Liability exposure exists every time your vessel is on the water, and theft or storm damage can happen at the dock or on a trailer. South Carolina does not require boat insurance by law, but marinas and lenders typically do.