Boat & Motorcycle Insurance in Albemarle, NC

Insurance Options for the Road and the Water

At Mabry Insurance, we understand that recreational vehicles like motorcycles and boats play a big role in your lifestyle. Whether you’re heading out on a road trip or enjoying time on the water, having insurance coverage in place can help reduce financial strain if an accident or loss occurs.

We work with multiple insurance carriers to offer flexible policy options for motorcycles, boats, and other recreational vehicles. Our team can help you explore coverage options that align with your vehicle type, usage, and needs.

Explore Our Insurance Carriers

What Can These Policies Include?

Coverage will vary based on the vehicle, its use, and the insurance provider. Common coverage types include:

Boat Insurance

Liability coverage: May help pay for damage or injury caused to others while operating your boat.
Physical damage: Covers repairs or replacement if your boat is damaged by a covered peril (e.g., collision, theft, fire).
Medical payments: May help with medical expenses for you and your passengers after a covered incident.

Towing and assistance: Some policies include options for emergency assistance on the water.

Motorcycle Insurance

Liability coverage: Required by law in most states; helps with costs if you cause injury or damage to others.
Collision & comprehensive coverage: May help pay for damage to your motorcycle due to accidents, theft, weather, or vandalism.
Uninsured/underinsured motorist coverage: Helps protect you if you’re hit by a driver with insufficient insurance.
Accessory coverage: Some policies can help cover added parts or custom equipment.

Want to discuss insurance for your motorcycle or boat? Call us at 704-982-2149 or send a message to get started.

Frequently Asked Questions About Boat & Motorcycle Insurance

Is boat or motorcycle insurance required by law in North Carolina?

Motorcycle insurance is required in North Carolina. Boat insurance is not required by state law, but may be required by lenders or marinas, and is strongly recommended for liability and asset protection.

Can I insure seasonal vehicles that are only used part of the year?

Yes, many policies allow for seasonal usage and may include storage coverage during the off-season. Let us know how and when you use your vehicle so we can find options that fit.

Does motorcycle insurance cover passengers or custom parts?

Some policies offer guest passenger liability and coverage for custom or aftermarket parts. Be sure to review your policy carefully or ask us to help clarify available options.

Will my auto insurance cover my motorcycle?

No, motorcycles typically require a separate policy. Auto insurance does not extend to motorcycles, so a dedicated motorcycle insurance policy is needed.

Are there discounts available for safe riders or boaters?

Yes, many carriers offer discounts for completing safety courses, bundling policies, or maintaining a clean record. Ask us what savings might apply to your situation.