Wagoner Insurance can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft, and your boating equipment.

The average boat costs less than a dollar a day to insure. You'll enjoy being on the water even more when you aren't worried about your safety, the safety your passengers, or your investment.

Do you know what to look for in a boat insurance policy? Wagoner Insurance can help you determine the right amount of coverage to meet your specific needs. Give us a call today at (910) 327-2218 to get started.

Here are some items you'll need to consider when shopping for boat insurance:

• Navigational Area
  

  Where are you boating? Are you boating inland, coastal, or off-shore? Know where you are covered in the water—it matters!

• Agreed Value Coverage
  

  Watercrafts depreciate just like automobiles. If replacement cost is not available, then the company will apply depreciation to any claim.

• Liability
  

  Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else, as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

• Medical Payments
  

  Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

• Physical Damage Coverage
  

  Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

• Uninsured/Underinsured Watercraft Bodily Injury
  

  Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, then this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

• Fuel Spill Liability and Wreckage Removal
  

  Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat's owner you are required by law to have this cleaned up, which can be time consuming and expensive.

• Personal Effects
  

  Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state - check with Wagoner Insurance for more information. Personal effects coverage does not include jewelry, watches or furs.

• Unattached Equipment Coverage
  

  This pays to repair or replace equipment that isn't permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

• Emergency Assistance
  

  The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Call us to find out how to get the best boat and watercraft insurance coverage for you at (910) 327-2218.