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828-559-3172

Boat Insurance

Keeping Boaters secure in Hendersonville and Asheville, NC

As a boat owner your liability, watercraft, equipment, and passengers all present risks and all need coverage.  At Barnette and Coates Insurance know boaters and boating well, and we understand the risks that boaters face.  We can mitigate these risks with comprehensive insurance, and we will work with you to find the right solution.

Our program includes coverage for fishing boats, runabouts, personal watercraft, boats up to 50 feet in length, and other watercraft.  For a wide variety of uses and a vast number of liabilities, a package from us will keep you secure for the right price.  

Coverage Specifically for you

You will need a coverage plan designed for your individual needs.  This means gauging a number of factors that usually influence boating insurance and understanding your specific watercraft, boat uses, and liabilities.  We’ll consult with you to understand all of these things and to create a plan that fits you and matches your budget.  

The coverages from which you can choose include:

  • Total Loss Replacement
  • Agreed Value
  • Disappearing Deductibles
  • Equipment Replacement Cost
  • Personal Effects Replacement
  • 24-hour Roadside Assistance
  • On-Water Towing
  • Wreckage Removal Coverage
  • Fuel Spill Liability
  • Medical Payments - Including Watersports
  • Uninsured/Underinsured Boaters Coverage
  • Trailer Coverage

You can add additional coverages like equipment, towing, and medical to your policy in order to fully protect yourself and your property.  Combined with standard coverages, these coverages can make your boat insurance complete and can maximize the value of your insurance investment.  

We’re happy to work with you in any way you need.  Consulting with an independent agent has benefits in that he or she can help illustrate how specific coverages are appropriate and the purposes they serve.  This way, you know exactly what you’re getting with insurance and you know how it serves you.  Also, independent agents can help you find ways to save through discounts and benefits that buying online or working with a captive agent can’t afford you.

The benefits and discounts that you can get by working with Barnette and Coates include:

  • Claim-free Renewal Discount
  • Homeowners Discount
  • Multi-boat Discount
  • Multi-policy Discount
  • Original Owner Discount
  • Paid-in-full Discount
  • Responsible Driver Discount
  • Safety Course Discount

Count on us to give you the best value.

Working with Barnette and Coates

As an independent insurance agency we offer coverages from a variety of compensation carriers, and we’ll compare rates and plans from these carriers to find you the right solution.  Our experience, knowledge, and personalized services all contribute to finding the right solution and make purchasing, owning, and using a policy easier and more efficient.  

We’re more than insurers however, as we manage risk and claims.  We’ll help you employ best practices so that you can reduce the number of exposures you face while on the water or while storing your watercraft, and we’ll help ensure that these exposures do not result in damages.  If and when a claim is filed, we will advocate for you, help you resolve the claim quickly, and help ensure that the resolution you achieve is satisfactory.  

If you would like more information please contact us in Hendersonville or Asheville or give us a call.  You can also request a quote to start learning about some of the details of a policy. 

Barnette and Coates Insurance is proud to provide boat insurance in Hendersonville, Asheville, Fletcher, Saluda, Weaverville, and Leicester, NC.  We also serve other areas in the state and we serve South Carolina as well.  

Our Locations

Hendersonville Office

708 Spartanburg Hwy
Hendersonville, NC 28792
Main office: 828-559-3172

Asheville Office

899 Haywood Road
Asheville, NC 28806
Main office: 828-476-4349

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.