North Carolina Boat Insurance Information
The value of quality boat insurance often doesn't become apparent until
you really need it. Whether it's a minor dent or a more substantial
accident, it pays to have North Carolina boat insurance coverage you
can count on.
Let Ed Moore & Associates experienced North Carolina boat insurance
specialist explain the different Liability Limits, Comprehensive, Personal
Injury Protection, Collision, Medical coverages, and deductibles that are
available for you to choose from. We offer affordable boat insurance
policies from leading boat insurance carriers serving North Carolina.
Learn more about North Carolina Boat Insurance coverage options below!
Click on the link below to fill out a secure quote request form for a Cary, North Carolina area Boat
Insurance policy that will provide excellent insurance coverage for your boat at an affordable cost. Or
you can speak with our North Carolina Boat Insurance agent specialist at (919) 467-6339 to discuss
the insurance policy features in more detail.
North Carolina Boat Insurance Info
Covers damage caused to the owners boat from a collision caused by another boat, vehicle, or other
object. The deductible is the amount you choose to pay upfront (if any) before the boat insurance
policy pays. The higher the deductible chosen the lower the collision coverage cost of the North
Carolina boat insurance policy.
Covers damage caused to the insured's boat (your boat) from risks such as theft, fire, falling
objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount
you choose to pay upfront (if any) before the boat insurance policy pays. The higher the deductible
chosen the lower the comprehensive coverage cost of the North Carolina boat insurance policy.
North Carolina Boat Insurance Info
North Carolina Boat Insurance Info
Injuries that you (insured) cause to someone else is covered under this part of a boat insurance
policy. The minimum liability insurance coverage available for purchase in North Carolina is
30/60 and is explained in detail below. However, we recommend that you choose liability
insurance coverage amounts that are much higher than the minimums listed below. Contact us
to discuss what liability coverage amounts you require to meet your needs.
30/60/25 30=$30,000 - 60=$60,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as another boat or dock,
is covered through property damage boat insurance coverage. This coverage also assists in
protecting you if a lawsuit arises from an accident. The minimum required coverage amount in
North Carolina is $25,000.
North Carolina Bodily Injury Liability
North Carolina Property Damage Liability
North Carolina Liability Coverage limits explanation:
North Carolina Boat Insurance Info
80% of medical benefits for all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces
and splints (including necessary travel related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning capacity from inability to
work because of an injury suffered in an accident.
Benefits Provided:
North Carolina does not require (PIP) or personal injury protection coverage. This coverage pays
medical bills for injuries suffered in a boat accident regardless of who caused the accident.
North Carolina Boat Insurance Info
100/300 100=$100,000 - 300=$300,000
First number = uninsured boater maximum for one person injured in an
accident.
Second number = uninsured boater maximum for all injuries in one
accident.

Example of Uninsured limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver
who has no liability insurance. This is a required coverage for North Carolina Boat Insurance.
Contact us to discuss what uninsured coverage amounts you require to meet your family or
personal needs.

Ed Moore & Associates, Inc.
103-B Kilmayne Drive
Cary, North Carolina 27511
Wake County, NC
Office: (919) 467-6339
Fax: (919) 467-6434

ED MOORE
& Associates, Inc.
Always here when you need us. Protecting
hundreds of North Carolina families and businesses.
PERSONAL INSURANCE
BUSINESS INSURANCE
Boat Insurance
Experience - Dedication - Insurance Options
As an independent insurance agency we work for you.
We find the best, affordable boat insurance products
from our wide range of insurance carrier options.
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Whether you are searching for better commercial insurance
options or just starting your small business, we can help.
Ed Moore & Associates, Inc.
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**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
fax or online at the agency's website. You must speak directly with a licensed insurance agent.
We are a Cary, North Carolina insurance agency offering affordable boat insurance policy
premiums to residents of the following towns, cities and counties in central North Carolina:
Raleigh, Morrisville, Apex, Garner, Green Level, New Hope, Neuse, Bayleaf, Falls, Wake Forest,
Forestville, Bethesda, Carpenter, Lowes Grove, Auburn, Holly Springs, Chapel Hill, Durham,
Knightdale, Macedonia, New Hill, Brentwood, McCullers, Farrington, Leesville, Durham County,
Orange County, Chatham County, and Wake County, NC.
Click on the link below to fill out a secure quote request form for a Cary, North Carolina area Boat
Insurance policy that will provide excellent insurance coverage for your boat at an affordable cost. Or
you can speak with our North Carolina Boat Insurance agent specialist at (919) 467-6339 to discuss
the insurance policy features in more detail.
Wake County NC Area
North Carolina Boat Insurance Policy Questions

Are boat insurance rates higher for new boat owners?

Boating experience is one of the factors incorporated into boat insurance rating. If you have little or no prior
boating experience, it's understandably difficult for an insurance carrier to judge your ability to operate a boat
safely. Therefore, first time boat owners can expect to pay more for boat insurance than an experienced
boater. Completing a boat safety course as a first time owner will demonstrate both a willingness and ability to
operate your boat safely and that can help to reduce rates.

Is there a difference between boat and yacht insurance?

A boat is usually classified as being 26 feet long or smaller, and a yacht is 27 feet and larger. As a longer
vessel, yachts often have larger navigational ranges, encounter a larger variety of hazards, so yacht
insurance tends to be more detailed and expensive than a smaller boat insurance policy.
Boat Insurance Considerations

Hull coverage protects the value of your boat or yacht. There are three primary types of coverage.

Replacement Cost
Under this policy type your totally destroyed 2008 model year boat will be replaced by the insurance company
with the same year and model boat in like condition or you will be given sufficient money to buy that same
year and model in like condition.

Agreed Value Contract
You are paid the boat insurance policy amount limit.

Actual Cash Value
The insurance carrier pays you the depreciated value of the boat.

If your boat sinks in a navigable waterway, you will be required to raise the boat and move it at your own cost
if you have not included this coverage in your boat insurance policy. This can be a large expense so you
should consider the options when setting up your boat insurance policy parameters.

It's also important to remember that your North Carolina boat insurance will be voided if you travel outside the
specific navigation area that your boat or yacht is insured for. This is normally a warranty / guarantee on
most boat insurance policies. Study your insurance policy closely.