Is Boat Insurance Required in South Carolina?

Last Updated on October 16, 2022

Boat insurance is not required in South Carolina, but it is highly recommended. There are many reasons to have insurance, even if the law doesn’t require it. If you’re financing your boat, your lender will almost certainly require you to have insurance.

And if you’re leasing or renting a slip, the marina owner may also require proof of insurance.

South Carolina has new boating laws, here's everything you need to know before hitting the water

If you’re a boat owner in South Carolina, you’re required to have insurance. This is to protect you, other boaters, and the environment in case of an accident. The minimum amount of liability coverage you must carry is $300,000.

You’ll also need to have uninsured/underinsured motorist coverage if you want to be protected from drivers who don’t have insurance or enough insurance.

South Carolina Boating Laws

If you’re planning on spending some time boating in South Carolina, it’s important to familiarize yourself with the state’s boating laws. These laws are designed to keep everyone safe while enjoying the waters of South Carolina. All boats must be registered with the state, and all operators must have a valid boater’s license.

There are age restrictions for operating a boat – anyone under the age of 16 is not permitted to operate a motorized vessel. There are also requirements for safety equipment that must be on board all boats. This includes life jackets for everyone on board, as well as flares and a fire extinguisher.

It’s also a good idea to have a first aid kit onboard. Operators are required to follow all navigational rules and regulations when out on the water. This includes maintaining a proper lookout, obeying speed limits, and avoiding areas where swimming is prohibited.

Alcohol consumption is not permitted while operating a boat in South Carolina. Anyone found to be operating a boat while under the influence of alcohol or drugs will face stiff penalties, including jail time. By following these simple laws, everyone can enjoy a safe and enjoyable day on the water in South Carolina!

New Sc Boating Laws

The state of South Carolina has implemented new boating laws that will go into effect on May 1, 2019. These laws are designed to make boating safer for everyone involved. Here is a summary of the most important changes:

• All boats must now have at least one working fire extinguisher onboard. • Boaters must take a boater safety course if they were born after September 30, 1979 and plan on operating a boat with an engine of 10 horsepower or more. • Children under the age of 13 must wear a life jacket at all times while onboard a vessel.

• Boat operators must maintain a proper lookout at all times and yield the right-of-way to swimmers, paddlers, and sailboats.

Under What Circumstances is a Boating Accident Report Required?

A boating accident report is required to be filed with the Florida Fish and Wildlife Conservation Commission (FWC) when: • Someone dies as a result of the accident. • Someone is injured and requires medical treatment beyond first aid.

• There is damage to the boat or other property in excess of $500.00. • The boat is abandoned.

Boating Requirements

Are you thinking of taking your boat out on the open water? Whether you’re an experienced boater or a first-time captain, it’s important to know the boating requirements for your state. Depending on where you live, there may be different regulations for what type of boat you can operate, how old you need to be, and what safety equipment is required.

In most states, anyone operating a boat with an engine must have a boater education card. The requirements for getting this card vary by state, but generally involve completing an approved boating safety course. You can usually find these courses online or through local marinas or community organizations.

In addition to a boater education card, many states also have minimum age requirements for operating certain types of boats. For example, in New York State anyone born on or after May 1st 1996 must complete a boater safety course and carry a valid certificate while operating a motorboat. In Florida, the minimum age to operate a personal watercraft (like a jet ski) is 14 years old.

There are also specific regulations regarding the type and amount of safety equipment that must be on board your vessel at all times. This typically includes items like life jackets (one per person), flares, and fire extinguishers. again, these requirements vary by state so be sure to check the laws in your area before heading out onto the water.

By familiarizing yourself with the boating requirements in your state, you can help ensure a safe and enjoyable experience for everyone involved.

Which of the Following Equipment is Required for Motorized Vessels Operating in South Carolina?

In South Carolina, motorized vessels are required to have certain equipment on board in order to operate safely. This includes a fire extinguisher, flares, a whistle or horn, and life jackets for all passengers. Depending on the size and type of vessel, additional equipment may also be required.

For example, vessels 26 feet or longer must have at least two life jackets per person on board. Pontoon boats must also have an anchor and line. Operating a vessel without the proper safety equipment is not only illegal, but it can also be dangerous.

In the event of an emergency, having the right gear can mean the difference between life and death. Make sure you are familiar with the requirements for your vessel before heading out onto the water.

What is Required on a Boat in Sc?

In order to operate a boat in South Carolina, there are certain required items that must be on board. These include: -A valid South Carolina Boater Education Card for operators born after September 1, 1979, unless the operator is exempt by law.

-An emergency engine shut-off device which is accessible to all occupants of the boat. -A USCG approved Type I, II, III or V wearable personal flotation device for each person on board. Children under the age of 13 must wear a life jacket at all times while aboard a vessel less than 26 feet in length.

-A fire extinguisher meeting USCG requirements and recommendations. Boats 16 feet and longer must carry at least one B-I fire extinguisher. Boats less than 16 feet long carrying combustible or flammable liquids must also carry at least one B-I fire extinguisher.

All other boats must have at least one B-II or better fire extinguisher on board. -Visual distress signals if operating on coastal waters, inland waters or the open sea beyond one mile from shore during daylight hours; and three visual distress signals if operating on coastal waters, inland waters or the open sea beyond one mile from shore during nighttime hours. Additional recommended safety equipment includes:

-First aid kit -Tool kit -Anchor and line

Is It a Legal Requirement to Have Boat Insurance?

No, it is not a legal requirement to have boat insurance in the United States. However, most lenders will require you to have it if you finance your boat. Additionally, some states may require insurance for boats that are used on state waterways.

What Happens If You Dont Have Boat Insurance?

If you don’t have boat insurance, you could be held financially responsible if your boat damages another vessel or a dock. You might also have to pay for repairs to your own boat if it’s damaged in an accident.

Does Sc Require Boat License?

In South Carolina, anyone who operates a boat with an engine of 10 horsepower or more must have a boater education card in their possession. The card must be obtained from the Department of Natural Resources (DNR) and is valid for life. It is not necessary to take a boating safety course to get the card, but it is recommended.


Boat insurance is not required in South Carolina, but it is highly recommended. There are a few reasons for this, the most important being that it can help you financially if your boat is damaged or stolen. It can also give you peace of mind knowing that you’re covered in case of an accident.