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Boating is a lifestyle, especially in our coastal community of Myrtle Beach.  What's not to love when you're enjoying the open waters with the sun shining, the wonderful sea breeze and the smell of salt water in the air while on your boat or personal watercraft? 

Although, what would happen if your boat or personal watercraft was stolen or damaged?  What if your boat or personal watercraft damaged someone else's property or even injured someone?  These are just some of the reasons that you would want to help protect yourself by purchasing boat insurance.

Boat insurance helps protect a boat or personal watercraft from certain risks and typically includes four main points of coverage:

1. Property Coverage:  This coverage may help pay to repair your boat or personal watercraft if it is damaged in an accident or may help to pay to replace it if it is stolen.  This coverage will usually protect the boat or personal watercraft and/ or motor whether it is in the water or on the land.

2. Liability Coverage:  This portion of coverage may pay to cover damages to another person's boat or property if you cause an accident with your boat or watercraft.  This may also cover expenses if you injure someone not on your boat in an accident.

3. Medical Payments:  This coverage may help pay for expenses if you or your passengers are injured in an accident on your boat.

4. Uninsured Watercraft:  This coverage may help with expenses resulting if an uninsured boater collides with your boat and you or one of your passengers are injured.

It is also a good idea to review your coverage's for your boat trailer, accessories, personal property and towing.  Make sure you know what your policy limits are as well as your deductibles as these are important parts of your boat policy.

If you need a review of your current boat policy or would like a new quote please give us a call at Davis & Massey Insurance Agency at 843-839-9229 or visit us online at  We are your local independent insurance agency providing you with peace of mind at a price that's right for you.

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