Protect your pontoon, bass boat, or jet ski on Fontana, Glenville, Junaluska, and all the beautiful lakes across Western North Carolina.
Jeremy Pressley owns a boat. He's been on Fontana, Glenville, Santeetlah, and just about every lake in Western NC. So when you ask him about boat insurance, he's not reading from a script — he knows what coverage actually matters and what's just padding your premium.
The most common mistake we see: boat owners who assume their homeowners policy covers everything. It usually doesn't — most home policies cap boat coverage at $1,500-$2,500, which doesn't come close to covering a real boat, motor, and trailer. One collision on Fontana or a slip-and-fall on your dock, and that gap becomes very expensive very fast.
We'll look at your boat, where you take it, and how you use it, and build a policy that actually covers you. No padding, no gaps. And if something happens on the water, you call our Waynesville or Sylva office and talk to a person who knows your policy — not a claims center in another state.
With 750+ five-star reviews and 20 years serving this community, The Pressley Group has earned the trust of WNC boaters from Bryson City to Cashiers. Give us a call and let's make sure you're covered right.
Covers damage to your boat from collisions, storms, fire, theft, and vandalism.
Covers injuries to others and damage to their property if you're at fault on the water.
Covers your motor, trailer, fishing equipment, and other accessories.
Perfect for family days on the lake
For serious anglers on WNC waters
Personal watercraft coverage
Even small watercraft need protection
NC doesn't require boat insurance by law, but many marinas and lake access areas require proof of liability before you launch. More importantly, one accident on the water without coverage — a collision, an injury to another boater, or dock damage — can cost you tens of thousands out of pocket. The NC Wildlife Resources Commission outlines boating safety requirements. We always recommend coverage regardless of whether it's required.
Usually only for very small boats. Most homeowners policies cap boat coverage at $1,500–$2,500 in value. If your boat, motor, and trailer are worth more than that — and most are — you need a dedicated marine policy. Don't assume you're covered until you check your declarations page. Call us and we'll review it together.
Our policies cover all NC inland waterways including Fontana Lake, Lake Glenville, Lake Santeetlah, Bear Creek Reservoir, Nantahala Lake, Lake Junaluska, and more. Coverage can extend to coastal NC waters with the right endorsements. We'll match your policy to where you actually boat.
Yes. Trailer coverage can be included in your marine policy, and we'll coordinate with your auto policy to make sure there's no gap while the boat is on the road. One call covers it — we sort out where each policy starts and stops so you don't have to guess.
Jet skis and WaveRunners typically need their own endorsement or a separate PWC policy. We write coverage for both alongside boat policies, so you can insure everything in one conversation. Mention all your watercraft when you call.
Own a home on the lake? Most boat owners save by bundling policies together. We also offer home insurance for lakefront properties, umbrella insurance for extra liability on the water, and motorcycle insurance if you ride the mountain roads too. Serving boaters throughout Haywood, Jackson, and Swain counties — Lake Junaluska, Cashiers, Bryson City, and beyond. Stop by our offices or call (828) 452-1898.
Get your free insurance quote in about 10 minutes. No pressure, no obligation—just honest numbers from a local agent.
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One of our team members will reach out within 24 hours to discuss your options.
Free boat insurance quote from a local agency that knows WNC lakes.
Enter your info and we'll call you back within 24 hours.
One of our team members will reach out within 24 hours to discuss your insurance options.
