Boat insurance in South Carolina for lakes, rivers, and coastal trips

Enjoy SC Waters Safely

Coverage for the way you boat
From weekends on Lake Hartwell and Lake Keowee to day trips on Lake Murray—or coastal runs near Charleston—The Sullivan Agency helps you tailor boat insurance for South Carolina waters. We cover pontoons, bass boats, ski boats, sailboats, jet skis/PWC, and more. Bundle with homeowners insurance or add personal umbrella insurance for higher liability limits when you host friends on the water.

What Your Policy Can Include

 Protection for people, vessels, and gear

Person with arm in sling.

 Liability coverage if you injure someone or damage another boat or dock

Black silhouette of two ships, one broken, with some floating dots, possibly in water.

Physical damage (comprehensive/collision) if you strike a submerged object or your boat is stolen or vandalized

Medical document with data storage icon.

Medical payments for you and your passengers

Boat icon with a shield, representing insurance for the ship.

Uninsured/underinsured boater if another boater lacks adequate insurance

Black and white icon of a ship sailing on the waves.

Trailer and on-water towing assistance for breakdowns far from the ramp

We’ll match agreed value or actual cash value to your boat’s age and usage, and clarify deductibles for storms and named events in coastal areas.

 Special Considerations

Where and how you operate matters

Navigational limits may define covered waters (inland only vs. coastal up to a certain mile limit). Winter storage and lay-up periods can lower costs if your boat is out of service. Completing safety courses can unlock discounts. If you haul your boat, adding it to your auto insurance for trailer liability is smart—your boat policy and auto policy play different roles.

Personal Watercraft

Jet skis and PWCs need real coverage too

Personal watercraft can reach high speeds and operate close to swimmers and docks. We’ll tailor limits, medical payments, and accessories coverage for your PWC so a quick ride doesn’t become a costly claim.

Questions South Carolina boaters ask most

  • Do I need boat insurance in SC?

    It may not be legally required for every vessel, but marinas, lenders, or HOA ramps can mandate proof. Liability, hull coverage, and uninsured boater are smart protection on busy lakes.

  • Am I covered on any lake in SC?

    Policies include navigational limits; most cover SC inland waters and can add coastal options. Tell us where you boat so we match the right form.

  • Is my gear covered?

    Many policies include limits for fishing gear, electronics, and tow-sports equipment. We’ll review sub-limits and add endorsements if needed.