Click to Call
Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227


Insurance Blog

I just finished paying off my boat. Do I still need boat insurance?

Charlotte, NC boaters can enjoy a variety of water activities. North Carolina boaters are required to obtain and carry a North Carolina Boater Education certificate to operate a boat in the state. However, there are occurrences when more may be necessary or recommended. Our team at Kempton Insurance Group is committed to helping North Carolina boaters understand the boating laws and get coverage that meets their needs.     

What’s Required to Operate a Watercraft in North Carolina?

All boaters must acquire a Boaters Education Certificate to operate a watercraft. This law applies to all watercraft of 10 HP or more. However, boat insurance isn’t a legal requirement in North Carolina. Boaters may still have to invest in boat insurance if they’re financing their boat or want to use certain marinas. A lender usually requires boat insurance until the loan is paid in full. Also, some marinas may require insurance if an accident causes injuries to others or property damage. Boaters may also consider investing in boat insurance if the repair or damage to their boat would be financially challenging to manage out of pocket. 

I just finished paying off my boat. Do I still need boat insurance?

Although your boat’s paid in full and the lender no longer has a say in whether you carry boat insurance, you may want to consider keeping your boat insurance. Liability protection or coverage for the repair or replacement of your boat, if you’re in an accident, are viable reasons to keep the insurance. As stated above, you may also need insurance to dock at certain marinas as well. If you have questions regarding the benefits of boat insurance, call us. We’d be happy to explain boat insurance and all of your coverage options. 

Our Services

Servicing States

  • Florida
  • Georgia
  • North Carolina
  • Pennsylvania
  • South Carolina
  • Virginia

Social Feed

Partner Carriers

  • ASI/Progressive Home
  • Dairyland
  • Discovery
  • Mainstreet America
  • National General
  • Progressive
  • Travelers
  • Utica National