Coverage to Keep You Afloat

Boat Insurance

Why Do You Need Boat Insurance?

Boating on Lake Norman should be all about relaxing—not worrying about what happens if something goes wrong. Whether you're cruising with family, fishing on the weekends, or storing your boat in the off-season, boat insurance helps protect your watercraft, your passengers & your peace of mind.


At Honeycutt Independent Insurance, we make it easy to get the right protection—without the pressure or confusion. We’ll help you find a personalized policy that covers you on and off the water, so you can enjoy every ride knowing you’re covered.

Why Boat Owners Work With Us

Boat owners work with us because we keep things simple, local & honest. As an independent agency, we shop multiple carriers to find the best value—no one-size-fits-all policies here. We know Lake Norman and the surrounding areas inside and out, and we’ll walk you through your options without the jargon or sales pitch. Whether you’re out on the lake every weekend or just getting started, we’ll help you find boat insurance that fits your lifestyle and your budget.

Coverage That Fits the Way You Cruise

What Does Boat Insurance Cover?

Every boat owner’s needs are different, which is why we help you build a plan that works for your lifestyle and budget. If you're storing your boat seasonally or transporting it often, we’ll make sure your policy covers those risks, too. Coverage options typically include:

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Physical Damage Coverage


Physical damage coverage, also known as hull coverage, helps pay for repairs or replacement if your boat is damaged in a covered incident. This includes collisions with other boats, submerged objects, docks, or even severe weather events. Whether you’ve got a pontoon, a jet ski, or a luxury yacht, this coverage ensures that your boat is protected when life takes an unexpected turn.

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Liability Coverage


Liability coverage is crucial for boat owners, as it protects you if you're found responsible for causing injuries to others or damage to someone else’s property while operating your boat. Whether you're navigating busy waters on Lake Norman or cruising near Mooresville, accidents happen—and liability coverage ensures you don’t have to cover the costs out of pocket.

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Medical Payments


Medical payments coverage, also known as MedPay, helps cover medical expenses for you, your family, and your passengers if someone is injured while on your boat—regardless of who’s at fault. Whether it’s a slip on the deck, a fall while docking, or an unexpected accident on the water, this coverage takes care of hospital bills, doctor visits, and even ambulance costs.

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Uninsured Boater Protection


Not every boater plays by the rules—and unfortunately, some take to the water without the proper insurance. Uninsured/underinsured boater protection protects you, your passengers, and your boat if you’re involved in an accident caused by a boater who doesn’t have enough (or any) insurance.

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Trailer & Equipment Coverage


Your investment doesn’t stop at the boat itself—trailers, gear, and equipment are all part of the package. Trailer and equipment coverage ensures that your accessories are just as protected as your boat. This coverage protects the things that help transport, store, and enhance your boating experience.

FAQ's

Real Answers for Life on the Water

  • Do I really need boat insurance in North Carolina?

    While it’s not required by the state, boat insurance is highly recommended—especially if you boat on popular waters like Lake Norman. It protects you against damage, theft, liability, and medical costs, and most marinas and lenders will require proof of coverage anyway.

  • What does a typical boat insurance policy cover?

    A standard policy can include:

    • Physical damage to your boat, motor, and trailer
    • Liability protection if you cause damage or injury
    • Medical payments for you or passengers
    • Uninsured boater coverage
    • Optional extras like fishing gear, equipment & towing

    We’ll help you pick the right mix based on how and where you use your boat.


  • Is my boat covered when it’s on the trailer or in storage?

    Yes—but only if your policy includes it. Some coverage applies while towing or storing, but it depends on your plan. We’ll make sure your boat insurance in Huntersville or Lake Norman works for your off-season needs too

  • Do you offer coverage for personal watercraft (like jet skis)?

    Yes! We can help insure jet skis, wave runners, and other personal watercraft with the same level of attention and care as we do with boats. Just let us know what you’ve got—we’ll find the right protection.

  • How much does boat insurance cost?

    It depends on your boat’s type, size, value, how often you use it, and where it’s stored. But we’ll do the legwork to get you affordable personal coverage from trusted carriers—no overpaying, no guesswork.