Get Boat Insurance From Folks That Actually Own A Boat In The Lowcountry!
At Hilton Head Brokerage and Insurance, we understand the unique circumstances and risks associated with keeping a boat here in Beaufort, South Carolina. Our team of experienced agents can help you find the best coverage plan to meet your needs. One thing that really set us apart is we are local and avid outdoorsman.
We love to boat, fish, hunt and more. We understand the Beaufort lifestyle and can provide tailored solutions to meet your boat insurance needs. We offer a variety of coverage options including liability, property damage, medical payments and more.
We understand Beaufort waters better than anyone else! We are the Beaufort Boat Insurance experts!
Why would you call someone who has never even navigated a boat to a local sandbar or traveled along our marshy waterways for boat insurance? They can’t give you honest and experience local advice about what type of boat insurance you may actually need. HHI Insurance and Brokerage can provide more than just a policy. We can give you first hand boat insurance advice. Some of the agents have been fishing these waters for over 50 years. We have seen it all!
Our Boat Insurance options can provide:
– Liability coverage to protect you in case of an accident involving a third party.
– Property damage coverage to cover any damage incurred while on the water.
– Medical payments coverage to help pay for medical expenses if injured while on board your boat.
– Uninsured boater protection, in case another boater has no insurance and causes an accident.
– Total loss replacement to replace your boat if it is declared a total loss.
From Parris Island to Laurel Bay, Beaufort has plenty of locations to practice sailing or spend the day on the water in your pontoon or other vessel. Although the city, founded in 1711, boasts many beautiful antebellum homes, its position on Port Royal Island, one of South Carolina’s coastal Sea Islands, makes it the perfect place for boat owners and enthusiasts. At Hilton Head Insurance and Brokerage, many of our staff members love to hunt and fish, and we can provide a wealth of advice for those who would like to better understand their existing coverage. Our agents can also guide those getting boat insurance for the first time.
What Is Boat Insurance For?
Beyond covering your vessel if it’s stolen, boat insurance policies often cover repairs after an accidental collision with another boat or a submerged object. Vandalism, windstorms, and lightning can also cause massive damage, so many boat insurance policies include these perils in their coverage.
Boat insurers base their coverage and rates on several factors, which our team can help you understand. The age, make, and model of the vessel impact its value. So, they also influence the cost of boat insurance in Beaufort. Also, your primary cruising locations affect your rates and the type of coverage you’ll need. For instance, you may primarily take your craft out in the navigational territory surrounding Port Royal Island.
Types of Boats We Insure
We Cover all boats – From Kayaks to Cruisers to Yachts.
Cruisers, sail boats, house boats, and high-performance boats are all common in South Carolina. We also cover fishing and bass boats preferred by anglers and jet boats, pontoons, inflatable boats, ski and wakeboard boats, and deck boats for those who primarily spend their time enjoying all the water has to offer. If you have personal watercraft, kayaks, and other vessels, our team would be happy to tailor a policy with a proven insurance carrier.
Important Watercraft Coverages
Boat insurance is available with actual cash value and agreed amount value options. Policies based on Actual Cash Value cover the replacement cost minus depreciation. If your boat is totaled, pricing guides can provide the approximate market value. Partial losses pay for repairs minus the depreciation percentage. Agreed Amount Value policies cover an agreed value that you determine with the insurer, with no deduction for depreciation.
At a minimum, we recommend liability and uninsured watercraft coverage. However, there are many other types of coverage that you can request in your policy.
Liability Coverage covers property damage and injuries during an accident caused by you or your passengers. This may help you pay for items such as fuel spill and wreck removal. Uninsured Watercraft Coverage protects you against the thousands of boaters who get on the water without boat insurance. Use it to handle repairs and medical treatment needed if you collide with an uninsured boater.
Physical loss coverage covers the hull, fittings, machinery, and permanently attached equipment. It usually excludes insect damage, defective equipment, as well as damage caused by sharks, zebra mussels, and other animals.
Bodily injury insurance pays for injuries suffered by passengers other than immediate family members. You can also include damage to someone else’s stuff. Guest passenger liability covers legal expenses if someone uses the boat with your permission. Additionally, you may want to consider adding insurance for medical payments for injuries to you or your passengers.
Talk to our insurance agents about whether you might benefit from insurance for trailer or boat accessories and towing in the event of an accident.
Remember to always follow rules and regulations on the water and to make safe, smart decisions regarding the operation of your vessel. It will keep you safe and keep your boat insurance premiums down too!
The Beaufort, SC, Insurance With a Personal Touch
Owners Jeff and Gary started Hilton Head Insurance and Brokerage because they wanted to give clients more than they were able to under a corporate structure. With more than 30 years of industry knowledge and local roots, the company has enjoyed tremendous growth, meaning we can offer clients in Beaufort even more products and services.
Contact us today to discuss your boat insurance needs and get real advice from knowledgeable, friendly team members!
Frequently Asked Questions And Helpful Info About Boat Insurance:
1.Boat insurance is a type of insurance policy that provides financial protection for boats and other watercraft.
2.Boat insurance covers damage to the vessel, its motor, and any additional equipment while also providing liability protection for injuries or property destruction caused by your boat.
3. Boat insurance policies can provide for a plethora of coverage, including towing and labor costs, emergency services, as well as other expenses affiliated with the boat.
4. To protect yourself and those around you, boat insurance policies mandate that all boat owners must uphold a minimum liability coverage policy. This ensures financial protection for any injuries or property damage inflicted by the boat.
5. Boat insurance policies may include medical payments, uninsured boaters coverage, and personal property protection.
6. The amount that you pay for boat insurance is determined by the type of vessel, its size, worth and selected coverage.
7. For businesses that rely on boats, such as fishing or chartering services, robust coverage is often necessary in order to protect against potential damages. Therefore, it’s important for commercial vessels to secure more substantial insurance than recreational boat owners.
Call Us Today to Learn More
Whether you’re looking for liability protection or physical damage coverage, we have an array of options that will provide peace of mind when it comes to protecting your boat. Our plans are tailored to fit your specific vessel and activity requirements, offering specialized policies for fishing boats, sailboats and more.
Some Interesting Boat Insurance Stats!
1. Last year, the US boat insurance industry generated an astonishing $1.6 billion in premiums! (Source: Statista)
2. Boat owners in the United States can expect to pay an average of $300 – $400 annually for boat insurance, which is a small price to pay for peace of mind. (Source: The Balance)
3. Boats measuring over 26 feet in length will often require a more costly insurance policy. (Source: The Balance)
4. Approximately 12 million individuals in the U.S possess boats, showing that it’s a popular aquatic activity for many Americans. (Source: National Marine Manufacturers Association)
5.An astonishing 75% of boat owners in the US are covered by insurance. (Source: National Marine Manufacturers Association)
6. In 2017, the number of boats insured across America was estimated to be an impressive 8.7 million! (Source: Statista)
7. When it comes to protecting your vessel, a liability policy is the most popular form of boat insurance. This type of coverage defends you financially from property loss and harm caused by your watercraft. (Source: The Balance)
