Boat Insurance in Myrtle Beach, SC

What Is Boat Insurance?

Boat insurance is a policy that protects your watercraft, passengers, and finances from damage, liability, and loss. Whether you own a fishing boat, pontoon, center console, sailboat, or yacht, this coverage protects you from unexpected expenses every time you hit the water in Myrtle Beach or anywhere along the South Carolina coast.

If you dock at a marina, trailer your boat to local launches, or keep your vessel at your home in Conway or Murrells Inlet, you need the right coverage in place. Boat insurance gives you peace of mind knowing that collisions, storms, theft, and liability claims won't drain your savings.

Why Myrtle Beach Boat Owners Need Insurance

Owning a boat in coastal South Carolina comes with real risks. Storms roll in fast, waterways get crowded during peak season, and expensive equipment sits exposed to saltwater and weather. A dedicated boat insurance policy keeps you covered when things go wrong.

• Covers physical damage from collisions, hurricanes, fire, and theft


• Provides liability protection if you injure someone or damage another vessel or dock


• Required by most South Carolina marinas and lenders before you can dock or finance


• Extends coverage to trailers, trolling motors, fish finders, and other accessories


• Includes medical payments for you and your passengers if injured on the water

What Does Boat Insurance Cover?

Boat insurance policies in South Carolina typically bundle several coverages together to protect you, your vessel, and others around you.

Hull Coverage: Pays to repair or replace your boat if it's damaged in a covered accident, storm, or fire. This applies whether you're on the water, trailering through Conway, or stored at a Murrells Inlet marina.

Liability Protection: Covers legal costs, medical bills, and property damage if you're responsible for injuring someone or damaging another boat or dock.

Medical Payments: Pays medical expenses for you and your passengers if injured on your boat, regardless of fault.

Uninsured/Underinsured Boater Coverage: Protects you if another boater causes an accident and doesn't carry enough insurance.

Personal Effects Coverage: Covers personal items on board like fishing gear, electronics, wetsuits, and water sports equipment.

Fuel Spill Liability: Pays for cleanup costs if your boat leaks fuel — important given South Carolina's environmental rules.

On-Water Towing: Covers the cost of towing your boat back to shore if you break down or need emergency assistance.

Types of Boats We Insure

Moore & Associates works with multiple carriers to insure a wide range of watercraft across Myrtle Beach and the surrounding areas. Whether you need fishing boat insurance for your bay boat, pontoon insurance for family cruises, or yacht insurance for a larger vessel, we can help.

• Fishing boats and bass boats


• Pontoon boats


• Center consoles


• Bowriders and deck boats


• Sailboats


• Cabin cruisers and yachts


• Personal watercraft (jet skis and PWCs have a separate policy — ask us for details)

Does My Homeowners Policy Cover My Boat?

Many boat owners assume their homeowners insurance covers their watercraft, but that's rarely true. Most homeowners policies only offer limited liability for small boats under 25 horsepower and provide minimal physical damage coverage.

If your boat exceeds those limits or has real value, you need standalone watercraft insurance. Relying on your homeowners policy could leave you exposed to thousands in out-of-pocket costs after an accident, theft, or storm.

Our Myrtle Beach agents can review your current homeowners policy and show you where the gaps are — and how a dedicated boat insurance policy fills them.

How Much Does Boat Insurance Cost in South Carolina?

The cost of boat insurance depends on the type and value of your boat, how often you use it, where you store it, your experience, and the coverage limits you select.

Insuring a smaller fishing boat or pontoon typically costs less than covering a high-performance speedboat or offshore yacht. You can lower your premium by adding safety equipment, completing a boating course, or bundling with your home or auto insurance.

Moore & Associates compares quotes from multiple carriers so you get solid coverage without overpaying.

Why Work With Moore & Associates?

As an independent agency in Myrtle Beach, SC, we shop multiple insurance companies to find you the best boat insurance at the right price. We've served South Carolina families since 1979 and understand what coverage you need for local waters.

When you call Moore & Associates, you reach a local agent who knows Myrtle Beach, North Myrtle Beach, Surfside Beach, Pawleys Island, and Georgetown. We explain your options clearly, find you competitive rates, and go to bat for you when you file a claim.

Get a Boat Insurance Quote in Myrtle Beach, South Carolina

Our boat insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.