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info@insuranceofthealbemarle.com
Elizabeth City, NC 27909
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Boat Insurance | Albemarle Insurance Agency

Customized Insurance to Protect Your Boat

Albemarle Insurance Agency offers customizable insurance coverage for your boat.  Learn the benefits of having our agency customize a policy that fits your needs.

Coverage &
Policies

Customized Policy Options tailored to your exact needs.

Savings & Discounts

Learn how you can bundle your boat policy with auto for greater savings.

Straightforward Quoting

Our quoting process is so detailed that you do not have to worry about understanding your quote/policy.

Let's Breakdown the Quoting Process...

Step 1

Submit Your Contact Information with Basic Information.

Step 2

Once we receive your contact form, we will contact you requesting additional information.

Step 3

We enter all data in our secure customer management system.

Step 4

We submit all required information to our carriers to obtain accurate quotes.

Step 5

We receive all quotes and create a custom proposal link that list all options, pricing, and details.

Step 6

You select the quote that's best for you. We finalize payment method and complete documents through e-sign!

Dive a little futher into the Albemarle Insurance Agency quoting process.

There are many variables when it comes to finding the best boat policy. Our process is the same regardless:

We collect basic information about you and your driving history. This can include name, address, date of birth, and boat details.
We create an electronic file with all information obtained and save within our customer management system.
We determine eligibility and carriers that may have an appetite for the possible policy.
We customize quote/policy details including coverage amounts, deductibles, add-on endorsements and more.
Once competitive quotes are processed and available. Our team members create a detailed digital proposal that is texted and emailed directly to you.
Upon review and approval of a quote, our agent will then reach out to finalize policy information and applications. All signatures can be done electronically!

Specialized Coverage Options

**Specialized Coverage Options are examples of real coverages from Progressive Insurance.**

Total Loss Replacement

Replaces insured's boat with a brand new one of similar make and quality.*

Hurricane Haul Out

Reimburses the customer 50 percent of the cost incurred to haul out their boat due to a named storm.*

Disappearing Deductibles

Reduces the deductible by 25 percent at each claim free renewal.*

Replacement Cost Fishing Equipment

Up to $10,000 for tackle, rods, and reels.*

Sign & Glid Coverage*

Help comes to your customer if they're stranded on the water and need fuel, a jump, or tow with no out-of-pocket costs!*

Replacement Cost Personal Effects

Protects the insured's personal items including cameras, clothes, cell phones, etc.*

Propulsion Plus® Coverage*

Provides coverage for the lower units of outboard motors, and the upper and lower units of inboard/outboard motors in the event of a mechanical breakdown, including those caused by wear and tear.*

24 Hour Roadside Assistance

Covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance.*

Wreckage Removal

Pays for any attempted raising, removal or destruction of the wreckage.*

Fuel Spill Liability

Coverage for unintentional oil or fuel spills that result in bodily injury or property damage.*

Medical Payments

Includes coverage for water-skiers.*

Trailer Trip Interruption

Pays for meals, transportation and lodging if you have a trailer or tow vehicle breakdown or accident while towing your watercraft more than 100 miles from home.*

Ready to get Started?

Get an Insurance Quote

Receive Your Quote in as Little as 2 Hours!

Start a fast, free insurance quote with Albemarle Insurance Agency. We work with you and for you to find the best possible coverages at the best possible price!

Get an insurance quote – typically in 2 hours or less. Upon form submission our team will request additional information.  

Rather Give us a Call?

Call: 1.252.421.3460

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          Questions? We Have Answers.

          What does boaters insurance typically cover?
          Boaters insurance generally covers a range of risks, including damage to your boat, liability for injuries or damages to others, and theft of the vessel or equipment. Most policies can also include coverage for medical expenses, personal belongings, and even environmental damage. It’s essential to review your policy options with an agent to ensure you have the coverage you need based on how and where you use your boat.
          Do I need boaters insurance if my boat is registered?
          Yes, while boat registration is a legal requirement in most states, it does not include insurance coverage. Boaters insurance protects you financially in case of accidents, damage, or liability claims. Even if it’s not mandated by your state, having insurance is crucial for safeguarding your investment and ensuring peace of mind while on the water.
          How is the cost of boaters insurance determined?
          The cost of boaters insurance depends on several factors, including the type of boat, its age and value, your boating experience, where you operate the boat, and the coverage limits you choose. Additional factors such as your claims history and any safety measures you have in place (like security systems or safety courses) can also influence your premium. It’s best to get a personalized quote from our agents to understand your specific costs.
          Can I get coverage for my boat if I use it for commercial purposes?
          Yes, you can obtain coverage for commercial use of your boat, but it typically requires a specific commercial boaters insurance policy. This type of insurance addresses the unique risks associated with using a boat for business activities, such as charters or fishing guides. Be sure to discuss your specific business needs with our agents to find the right policy for you.
          What should I do if I have an accident while boating?
          If you have an accident while boating, prioritize safety and ensure everyone is unharmed. Then, document the incident by taking photos and gathering information from other parties involved, including contact and insurance details. Notify the appropriate authorities, and report the incident to your insurance company as soon as possible. Our agency is here to help guide you through the claims process and answer any questions you may have.
          Are there any discounts available for boaters insurance?
          Yes, many insurance providers offer discounts for boaters insurance. These may include discounts for safety course completion, bundling multiple policies (such as home and auto insurance), claims-free history, and installing security devices on your boat. Our agents can help you explore available discounts to ensure you get the best rate on your policy.

          Have questions that we didn't answer?

          Please use the general contact form or reach us through one of the contact methods listed. We want to help answer any questions you may have!

          Primary Office Address:

          407 S. Griffin St. STE B Elizabeth City, NC 27909

          Give us a Call:

          (252) 421-3460

          E-Mail Us:

          info@insuranceofthealbemarle.com