boat & watercraft insurance
Peace of mind every time you raise anchor
Boat Insurance in Greenville, SC
SCIB can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a Greenville watercraft insurance policy? SCIB can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
Things To Consider
Navigational Area
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased.
Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
Liability
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
Personal Effects
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in South Carolina. Personal effects coverage does not include jewelry, watches or furs.
Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
Emergency Assistance
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Any questions?
Insuring through...
