Kale Insurance

2304 E Main St.
Lincolnton, NC 28092

google-mapGet Directions

Boat/Watercraft Insurance in North Carolina

Kale Insurance is the company to contact for boat or watercraft insurance in Lincolnton, NC.

You may be pleasantly surprised to hear that North Carolina does not require a boat or watercraft owner to carry insurance for their boat or personal watercraft. Good, one less thing to buy. We at Kale Insurance know that boat insurance is worth the money, though. Accidents can and do happen.

According to the North Caroline Department of Insurance, there was an average of 152 boating accidents each year between 2002 and 2006. Having a boat-owner's policy or a yacht policy can cover physical damage, medical expenses, and liability damages as well as uninsured motorist coverage depending on the terms.

Kale Insurance has many options for Lincolnton, NC residents who want either a boat-owner's policy or a yacht policy. North Carolina does not regulate the contents of either policy so we can design coverage that is tailored to your needs and lifestyle. Boat-owners policies cover smaller watercraft that is less than 26 feet. Yacht policies provide coverage for larger, more expensive watercraft.

Looking at coverage, we can find the right amount for the size of the craft and type of usage. Consider how often you use the vessel, how large it is and where it is used. In the event of accident, if you are found to be at fault, you could suffer a catastrophic financial loss. With our insurance, you will be protected. Some homeowner’s policies provide limited coverage for small watercraft but it may not be enough. Some marinas require boats to carry insurance in order to be docked at the facility.

We have experienced agents who will guide you to a policy that gives the coverage you want so you know we have your back. Our agents live in Lincolnton NC area so we are part of the community. Protect yourself, your family and your assets today by calling Kale Insurance for a free, no strings attached quote.

Request a Quote


  • North Carolina
  • South Carolina