Why Sailboat Insurance Matters
Owning a sailboat in North Carolina means access to incredible waterways—from the Intracoastal Waterway to offshore adventures in the Atlantic. But with that freedom comes risk. Sailboat insurance helps protect you from financial loss if your boat is damaged, stolen, or involved in an accident—on or off the water.
What Sailboat Insurance Covers
Most sailboat insurance policies include:
- Physical Damage Coverage – Protects your boat, sails, and equipment from damage caused by accidents, storms, theft, or vandalism.
- Liability Protection – Covers injury or property damage you may cause to others while operating your boat.
- Medical Payments – Helps cover medical expenses if you or your passengers are injured on your boat.
- Uninsured/Underinsured Boater Coverage – Protects you if another boater causes damage and doesn’t have adequate insurance.
- Salvage and Wreck Removal – Covers costs for removing your boat from the water if it’s damaged or sinks.
Special Considerations for North Carolina Sailboat Owners
Sailboat coverage can vary depending on where and how you use your vessel:
- Coastal Counties like New Hanover, Carteret, and Dare may require specific windstorm or hurricane coverage.
- Year-Round Mooring increases exposure to storms, so policies should account for seasonal weather risks.
- Long-Distance Cruising may require additional navigation limits in your policy.
What’s Not Typically Covered
- Wear and tear or gradual deterioration
- Manufacturer defects
- Racing (unless specifically added to the policy)
- Damage outside the navigation limits
How Sizemore Insurance Helps
As an independent company, we shop multiple carriers to find the right protection for your sailboat. We’ll:
- Review your boat’s value and equipment
- Customize coverage for your sailing habits and location
- Find discounts for bundling with home or auto insurance
- Make sure you understand your deductibles and policy terms
Whether you’re sailing near Wilmington, anchoring off the Outer Banks, or cruising the Cape Fear River, we’ll help you find sailboat insurance that keeps you covered.
Start your quote online or call (910) 791-1011 to speak with a Sizemore Insurance advisor today.