(910) 392-0880 | 4037 Masonboro Loop Rd, Suite 2A, Wilmington NC 28409 | Mon-Fri: 9AM-5PM

Boat Insurance in Wilmington, NC That Protects You On and Off the Water

When you live near the coast, being on the water isn’t just a hobby—it’s a lifestyle. Whether you’re cruising around Wrightsville Beach, fishing near Carolina Beach, or towing your jet ski to the Intracoastal, the last thing you want to worry about is insurance. But the truth is, one accident, storm, or mishap can cost thousands—and basic homeowners insurance won’t cover it.

At American Harbor Insurance, we specialize in helping boaters across coastal North Carolina protect their watercraft, equipment, and passengers. We provide customized boat insurance in Wilmington, NC for all types of vessels—from fishing boats and pontoons to sailboats and personal watercraft.

As an independent agency, we partner with multiple trusted insurance providers so you get options, not just a one-size-fits-all policy. We’ll help you find the right coverage for your boat, lifestyle, and budget—and we’ll be here when you need us.

Here’s how we make boat insurance easy:

1. Call us to discuss your boat and how you use it.

We’ll ask the right questions to understand the kind of protection you need.

2. We shop policies from multiple carriers.

You’ll receive clear options for coverage, pricing, and benefits—so you can make an informed choice.

3. You hit the water with confidence.

You’ll know your boat, gear, and passengers are protected every time you leave the dock.

Don’t let an accident sink your plans. Call today to get a boat insurance quote from a local agent who understands life on the water.

FAQs

What does boat insurance typically cover?

Boat insurance can include physical damage to the vessel, liability for injuries or property damage, medical payments, towing, wreckage removal, fuel spill liability, and personal effects. We’ll help you choose coverage based on how and where you use your boat.

Is boat insurance required in North Carolina?

It’s not legally required, but if your boat is financed or kept at a marina, you may be required to carry insurance. Even if it’s not mandatory, coverage is highly recommended to protect your investment.

Is my boat covered under my homeowner's insurance?

Only in very limited ways, usually not while in use or for larger vessels. A separate boat insurance policy is the best way to get full coverage for your watercraft.

Can I insure jet skis, wave runners, or other personal watercraft?

Yes. We provide insurance for a wide variety of watercraft, including jet skis, Sea-Doo’s, and similar personal recreational vehicles.

What if I only use my boat during the summer?

We can help you find seasonal coverage or policies that offer off-season discounts. You shouldn’t pay for what you don’t need.

Will my policy cover gear like electronics, fishing equipment, or a trolling motor?

In most cases, yes. Many policies offer optional coverage for onboard accessories and gear. We’ll help you include everything you want to protect.

What if I take my boat out of state or offshore?

Coverage options vary based on navigation limits. Let us know where you plan to operate your boat, and we’ll make sure you’re covered wherever you go.

How fast can I get boat insurance?

Often the same day. Give us a quick call with your boat’s details, and we’ll shop policies and get your quote started right away.