Stay afloat no matter what comes your way.
Yacht insurance for your needs.
Spending time on your yacht is a luxurious, relaxing pastime. But, the risks associated with yacht ownership can put a damper on your downtime if you’re not properly insured. Our insurance advisors will review your risks and help you decide on coverage that keeps your investment afloat.
Yacht insurance in South Carolina.
Owning a yacht is freedom on the water, but it also brings real responsibility. You need insurance that can protect your vessel, your passengers, and your investment without gaps or confusion.
That is where C.T. Lowndes & Company comes in. Request an insurance quote for your yacht today.
What is yacht insurance?
Yacht insurance is a specialized insurance policy designed to protect larger boats and yachts from the risks that come with owning and operating a high-value vessel.
A good yacht insurance policy gives you coverage for both property damage and liability, and it goes far beyond standard boat insurance.
Yacht insurance is built to handle the realities of marine life. It covers more scenarios, carries higher limits, and gives you the protection required for larger yachts, sport fishing setups, and other higher-end boats.
Who needs it?
You need yacht insurance if you own:
- A yacht, sport cruiser, or luxury boat
- Fishing boats or vessels used for sport fishing
- A powered or sailing vessel above typical boat insurance thresholds
- A boat that carries passengers, paid or unpaid
- A vessel kept at a dock, in storage, or in active use across South Carolina
- Any yacht that requires specialized equipment, hired crew, or a yacht insurance policy for membership in yacht clubs
Yacht owners choose this kind of policy for one main reason. Standard boat insurance policies may not be built to cover the value, equipment, and unique exposures of high-value vessels or boats with crew, advanced navigation systems, or long-distance travel.
If you want broader coverage options, higher limits, and protection that responds when something major happens, yacht insurance is the right call.
What does it cover?
A yacht insurance policy covers more than you might expect. At C.T. Lowndes, we help clients by offering coverage that works on the water, at the dock, and during transport or storage.
Physical Damage and Hull Protection
Protects your yacht from storm, fire, theft, collisions, grounding, and other events.
Choose between agreed value, agreed value coverage, or actual cash value depending on how you want a claim settled and how depreciation affects your payout.
Liability Coverage
Covers bodily injury, property damage, and legal consequences if an accident happens and you are at fault.
We can add additional insured endorsements when needed and help you select a limit that fits your risk.
Medical Payments and Passenger Protection
Helps pay medical expenses, medical payments, and related costs if someone gets injured on board, whether they are part of your crew or a guest.
Uninsured Boater Coverage
Essential protection that pays if an uninsured boater hits you and causes injuries or damage.
Emergency Towing and Assistance
Covers towing and assistance, emergency towing, and reasonable costs to get you back to safety after a mechanical failure or other covered event.
Wreck Removal and Environmental Protection
Pays for wreck removal and potential marine environmental damage if a covered loss requires cleanup or containment.
Jones Act Coverage
If you employ a paid crew, we can add options such as Jones Act coverage to protect both you and your crew members during marine operations.
Personal Property and Equipment
Covers personal property, electronics, navigation systems, and fishing equipment that may not be automatically included or automatically covered in standard policies.
Temporary Substitute Watercraft
If your yacht is in for repairs, we can add protection for a temporary substitute watercraft so you stay mobile.
Why choose C.T. Lowndes & Co?
You deserve an agency that understands yachts, boat insurance, and the realities of boating life in South Carolina. We work with trusted carriers and help you choose the right coverage option.
Our team makes it easy to compare policies, adjust your limit, and choose a higher deductible if you want to reduce premiums and save money.
For 175 years, C.T. Lowndes has supported boat owners, families, and businesses with service built on trust and personal attention.
We help you insure your yacht the right way so you can enjoy the water with confidence.
Get a yacht insurance quote.
Get Started Today
As an independent agency, we are here to help you find the right Yacht Insurance coverage.
Get a Quote
Yacht Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
