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I just bought a 2005 Key West 17 ft DC with a 115hp Mercury. I am going to keep it at my beach house in Garden City SC. It will be used to fish Murrells Inlet 2 miles away and just ride around with family. Should I carry any insurance on it? If so what kind?

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I have a 2013 Key West 203DFS that I keep on a trailer at my house in central MS. I insure it through USAA which pawns it off to progressive. The premium is reasonable, about $240 a year for comprehensive, collision, and liability. I also have a towing rider that pays for towing if I need a tow on the ocean, I think it's an extra $40 a year.

At a very minimum I'd want some sort of liability coverage in case you hit someone on the water, you know they're going to sue you right off the bat.

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Look into yacht policies.

Your boat doesn’t need to be a “Yacht” to hold one and I believe they hold some key differences.


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I've had Progressive on my boat for years, just paid the premium which was $220. I've used it twice and they were fantastic in my opinion. I wouldn't be without it.


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Might check with State Farm . i have boat insurance with them and it covers collision and some medical as well .

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Originally Posted by BKinSD
I've had Progressive on my boat for years, just paid the premium which was $220. I've used it twice and they were fantastic in my opinion. I wouldn't be without it.




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If I'm towing, State Farm covers the boat/trailer. Once on the water, then I need boat/liability coverage. Pretty cheap given the risks.

Last edited by 1minute; 04/28/19.

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Recently watched this video on boat insurance and learned a bit.


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Originally Posted by NVhntr
Recently watched this video on boat insurance and learned a bit.


Watched that video a few weeks ago and it is a good one. Worth the time IMHO.


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