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Find Boat Insurance Agents Near You in Charlotte, NC

Browse boat insurance agents serving Charlotte, North Carolina. Updated 2026-07-14.

The top-rated boat insurance agent in Charlotte, North Carolina is Curtis Helms Insurance, rated 4.9 stars across 1,603 reviews. Other highly rated options include Pegram Superior Mitchell Insurance Agency, Pegram Insurance, CAP Insurance Group. This directory lists 25 boat insurance agents serving Charlotte.

Showing 25 boat insurance agents in Charlotte, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Curtis Helms Insurance6324 N Tryon St #101(704) 921-2118
2Pegram Superior Mitchell Insurance Agency106 W Arrowood Rd B(704) 527-8543
3Pegram Insurance6824 Albemarle Rd E(704) 536-1919
4CAP Insurance Group1524 E Morehead St Suite 300(704) 540-4200
5Jeremy Fulkerson - State Farm Insurance Agent4805 Park Rd #103(704) 523-9005
6Emma Allen - State Farm Insurance Agent4920 Monroe Rd(704) 372-1088
7Laurie Insurance Group2701 Coltsgate Rd Suite 100(704) 342-2886
8Hutch Ham Agency, Inc.1230 W Morehead St #306(704) 525-6016
9Melanie Stone - State Farm Insurance Agent8811 Blakeney Professional Dr Suite 110(704) 542-1500
10Capstone Insurance Agency6132 Brookshire Blvd suite b(704) 391-8483
CH
6324 N Tryon St #101
Curtis Helms Insurance
Boat Insurance Agent · Charlotte, NC

Curtis Helms Insurance serves the Charlotte, North Carolina metro area as a boat insurance agent. The agency assists local boat owners in protecting their watercraft against common risks on nearby lakes and waterways. A knowledgeable resource for the community, this firm helps clients navigate coverage options that address liability and physical damage. Their offerings include policies for fishing boats, deck boats, and personal watercraft, ensuring specialized protection for recreational vessels. Curtis Helms Insurance handles custom policy reviews and boat valuation consultations for area customers.

PS
106 W Arrowood Rd B
Pegram Superior Mitchell Insurance Agency
Boat Insurance Agent · Charlotte, NC

Pegram Superior Mitchell Insurance Agency serves homeowners and individual boat owners in the Charlotte, NC area, helping them secure appropriate coverage for watercraft of various sizes and uses. The agency assists clients in understanding policy options that protect against common risks found on regional lakes and coastal waterways. They provide guidance tailored to each customer’s specific boating needs and circumstances. The firm also extends its boat insurance services to the surrounding communities of Lake Norman and the greater Mecklenburg County metro area.

PI
6824 Albemarle Rd E
Pegram Insurance
Boat Insurance Agent · Charlotte, NC

For homeowners, choosing between a single policy or an ongoing relationship can simplify their overall approach to coverage. As a boat insurance agent in Charlotte, NC, Pegram Insurance helps clients navigate this decision, focusing on protecting watercraft from potential risks like accidents and weather damage. Their process involves evaluating individual needs to tailor suitable protection. Service here operates on a strictly as-needed basis, providing guidance when boat owners require new policies, coverage reviews, or claim assistance.

CI
1524 E Morehead St Suite 300
CAP Insurance Group
Boat Insurance Agent · Charlotte, NC

As boat owners in Charlotte prepare for the busy season on Lake Norman or the Catawba River, CAP Insurance Group helps them secure proper coverage for their vessels. The company focuses on boat insurance needs in this region, connecting clients with policies that address liability, physical damage, and trailering concerns. Every boating situation is unique, so a thorough review of the boat’s condition and usage is essential. The process typically begins with a detailed inspection and initial assessment of the vessel to determine suitable coverage options.

JF
4805 Park Rd #103
Jeremy Fulkerson - State Farm Insurance Agent
Boat Insurance Agent · Charlotte, NC

Jeremy Fulkerson - State Farm Insurance Agent in Charlotte, NC offers boat insurance coverage tailored for a range of personal watercraft needs, including fishing boats, pontoons, and small yachts. The agency works with area boaters to secure policies that protect against common incidents, such as collisions and theft, both on the water and during transport or storage. With Charlotte's active lake and coastal boating seasons, this includes helping address potential storm damage from sudden summer squalls.

EA
4920 Monroe Rd
Emma Allen - State Farm Insurance Agent
Boat Insurance Agent · Charlotte, NC

Emma Allen - State Farm Insurance Agent serves residential clients in Charlotte, North Carolina, securing their boats and personal watercraft against common local risks. Commercial policies for marinas or charter operations are also available to meet broader liability and equipment needs. Service extends throughout the Charlotte metropolitan area. When a policy requires periodic adjustments or renewal after seasonal lay-up, the office follows up directly to help keep coverage aligned with current vessel conditions.

LI
2701 Coltsgate Rd Suite 100
Laurie Insurance Group
Boat Insurance Agent · Charlotte, NC

Laurie Insurance Group serves Charlotte, North Carolina, and the surrounding lake and coastal communities. It handles boat insurance policies for various watercraft, including personal watercraft, sailboats, and yachts used for recreation. The agency works with clients to assess coverage needs for liability, physical damage, and towing. Its approach typically involves reviewing a boat’s value, usage, and storage to recommend appropriate policy limits and endorsements.

HH
1230 W Morehead St #306
Hutch Ham Agency, Inc.
Boat Insurance Agent · Charlotte, NC

A Boat Insurance Agent offers both one-time policies for single-season use and recurring annual coverage for year-round protection, tailoring plans to individual needs. In Charlotte, North Carolina, such an agent, like Hutch Ham Agency, Inc., helps clients secure liability, damage, and theft coverage for various watercraft. Policies can be structured to protect against specific risks common to area lakes and rivers. Service runs on an as-needed basis through consultations or policy renewals.

MS
8811 Blakeney Professional Dr Suite 110
Melanie Stone - State Farm Insurance Agent
Boat Insurance Agent · Charlotte, NC

Boat owners in Charlotte, North Carolina, choose between one-time liability policies for occasional use and recurring comprehensive plans that protect against year-round risks. Melanie Stone - State Farm Insurance Agent offers coverage tailored to local waterways, addressing damage, theft, and liability concerns specific to the region. Each policy is designed to meet state requirements while safeguarding personal watercraft. Service runs on both a one-time and scheduled basis, with annual reviews available to adjust coverage as needed.

CI
6132 Brookshire Blvd suite b
Capstone Insurance Agency
Boat Insurance Agent · Charlotte, NC

Capstone Insurance Agency in Charlotte, North Carolina offers personalized boat insurance coverage designed for various watercraft. It provides policies that protect against common risks on local lakes and rivers. Regular services include liability protection and coverage for physical damage to a vessel. As a dedicated boat insurance agent, it works with boat owners to address unique needs on the water. Living in the region, it helps clients prepare for seasonal storms that can bring sudden high winds and hail to Lake Norman or the Catawba River.

PI
2701 Coltsgate Rd STE 101
Pegram Insurance
Boat Insurance Agent · Charlotte, NC
(704) 494-9495
pegramonline.com
TH
7825 Ballantyne Commons Pkwy #220
Tom Harman - State Farm Insurance Agent
Boat Insurance Agent · Charlotte, NC
(704) 543-4001
thomasharman.com
GI
5101 Monroe Rd
Goosehead Insurance - The Davis Agency - Bradley Davis
Boat Insurance Agent · Charlotte, NC
(704) 337-2888
goosehead.com/agents/nc/mount-holly/bradley-davis
OC
1973 J N Pease Pl #203
O'Connor Insurance Associates, Inc.
Boat Insurance Agent · Charlotte, NC
(704) 510-8884
oianc.com
PK
8832 Blakeney Professional Dr #203
Pruitt Keener Insurance
Boat Insurance Agent · Charlotte, NC
(704) 759-1300
pruittkeener.com
SI
6914 Matthews-Mint Hill Rd #150
Superior Insurance Of Charlotte
Boat Insurance Agent · Charlotte, NC
(704) 545-7171
thesuperiorinsurance.com
HB
1501 E 7th St
H B Cantrell & Co
Boat Insurance Agent · Charlotte, NC
(704) 954-9000
erieinsurance.com/agencies/nc/charlotte/jj2003
MM
6101 Carnegie Blvd #415
Mark McDuffie Insurance Agency
Boat Insurance Agent · Charlotte, NC
(704) 364-9227
mcduffieinsurance.com
SI
226 Baldwin Ave
Star Insurance Group
Boat Insurance Agent · Charlotte, NC
(980) 737-7827
starinsgroup.com
PI
233 S Sharon Amity Rd #103
Piedmont Insurance Associates
Boat Insurance Agent · Charlotte, NC
(866) 308-4704
piedmont-ins.com
VI
5835 Executive Center Dr Ste 101A
Victory Insurance and Services Inc
Boat Insurance Agent · Charlotte, NC
(704) 885-5240
victoryinsuranceinc.com
OH
2210 Crownpoint Executive Dr
O H Walker Insurance Agency
Boat Insurance Agent · Charlotte, NC
(704) 814-4343
ohwalkerins.com
HG
5113 Piper Station Dr #207
Hilb Group
Boat Insurance Agent · Charlotte, NC
(704) 552-5888
charlotteinsurance.com
MI
756 Tyvola Rd #146
Metropolitan Insurance
Boat Insurance Agent · Charlotte, NC
(704) 610-8229
insurancemetropolitan.com
RI
11220 Elm Ln Ste 200
RJR Insurance Agency
Boat Insurance Agent · Charlotte, NC
(704) 543-2700
rjrinsuranceagency.com

What Does a a Boat Insurance Agent in Charlotte Cost?

Boat insurance costs in North Carolina vary widely based on boat value, type, and usage. A typical policy for a small fishing boat might cost 200 to 400 dollars per year, while a large cruiser could cost 800 to 2,000 dollars annually. Factors like safety equipment, boating experience, and storage location affect the price. This is general information and not insurance advice.

About boat insurance agents in Charlotte

Charlotte boat owners can work with local insurance agents to secure coverage for their watercraft. North Carolina requires liability insurance for vessels with motors over 10 horsepower. Agents in Charlotte help you find policies that meet state requirements and protect your investment on Lake Norman and other local waters.

Frequently Asked Questions

Do I need boat insurance in North Carolina?

Yes, North Carolina law requires liability insurance for any vessel with a motor of 10 horsepower or more. This includes boats, jet skis, and personal watercraft. Your agent can help you meet this legal requirement.

What does boat insurance typically cover in Charlotte?

Standard policies cover physical damage to your boat, liability for injuries or damage to others, and medical payments. Many Charlotte agents also offer coverage for towing, fuel spill liability, and uninsured boater protection.

How do I choose a boat insurance agent in Charlotte?

Look for an agent who specializes in marine insurance and knows North Carolina boating laws. Ask about their experience with Lake Norman and the Catawba River. Compare quotes from multiple agents to find suitable coverage.

Boat Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each boat insurance agent's credentials and current standing with your state Department of Insurance.