Watercraft Insurance in North Carolina & Tennessee

Protect your freedom on the water with watercraft insurance that’s built for lakes, rivers, and open seas. Whether you captain a pontoon, speedboat, fishing vessel, or jet ski, Catawba River Insurance Group delivers coverage that rides with you from launch to dock across North Carolina and Eastern Tennessee.

Get a Quote for Boat or PWC Insurance

Boat Coverage That Goes Beyond the Basics

We provide customized insurance for a wide range of vessels—covering hull damage, motor loss, towing, and liability—so you can focus on smooth sailing.

  • Physical damage to hull, motor, and trailer
  • Bodily injury and property liability protection
  • Fuel spill and wreckage removal coverage
  • On-water towing and emergency services

Personal Watercraft & Specialty Vessel Protection

Jet skis, PWCs, and small vessels face unique risks. Our coverage options ensure your investment—and passengers—stay protected on every ride.

  • Jet ski and personal watercraft policies
  • Guest passenger liability
  • Accessory and equipment coverage
  • Year-round or seasonal policy options

Insuring boaters throughout North Carolina & Eastern Tennessee—and beyond

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • Bristol • Mountain City • Elizabethton • Kingsport • Chattanooga • Knoxville • Pigeon Forge • and beyond

Why Choose CRIG for Watercraft Insurance?

We know the water—and how to protect what moves on it—with personalized guidance and dependable carrier options.

All Vessel Types Covered
From pontoons to performance boats, we have the right fit.

Flexible Plans
Choose seasonal, year-round, or storage-only coverage.

Experienced Agents
Get help from a team that knows the lakes and rivers you love.

Multi-Policy Discounts
Bundle with your home or auto for added savings.

FAQs

  • Is boat insurance required in North Carolina?

    Boat insurance isn’t mandatory in NC, but marinas, lenders, and smart owners know it’s critical for liability and asset protection.

  • Will my policy cover friends or family who use my boat?

    Yes, as long as they have your permission and a valid license, most policies extend coverage to guest operators.

  • Do I need watercraft insurance in winter if I’m not using my boat?

    Yes. Boats are still at risk of theft, fire, and storm damage while in storage—year-round coverage is recommended.

  • What if my boat is damaged by another uninsured boater?

    We offer uninsured boater coverage to help with expenses if you're hit by someone without adequate insurance.