Protecting What
Matters Most
to You

Windley Harbor Town Insurance is your trusted, community-focused agency serving all 100 counties of North Carolina and we are now servicing Virginia. We specialize in coastal counties—expertly dealing with homes, wind, hail, and flood coverage—because every family and business deserves genuine peace of mind.

David Windley, President & Owner

All 100 NC CountiesNow Servicing VirginiaCoastal SpecializationWind, Hail & Flood

Back to Services

Watercraft & Boat Insurance

Enjoying the Pasquotank River and coastal waters is a way of life here. Watercraft insurance protects your vessel and your liability while on the water.

Who Needs It?

Owners of boats, personal watercraft (like Jet Skis), sailboats, and yachts.

What Does It Cover?

Covers physical damage to the boat, motor, and trailer, as well as liability for bodily injury or property damage caused to others while boating.

Why Is It Important?

Boats are significant investments exposed to unique risks like sinking, storms, and collisions. Standard homeowners policies provide very limited, if any, coverage for watercraft.

When To Get It?

Before you put your boat in the water for the season, or immediately upon purchase.

Key Benefits

Physical damage to hull and machinery
Watercraft liability coverage
Wreckage removal and fuel spill cleanup
On-water towing and assistance

Ready to protect what matters most? Get a personalized quote from David today.