A boat is floating on top of a body of water at sunset.

Recreational Vehicles & Boat Insurance in South Carolina

Recreational vehicles and watercraft offer freedom, adventure, and relaxation—but they also come with risks. Whether you're cruising the lake, hitting the road in an RV, or towing a camper, recreational vehicle and boat insurance helps protect you from property damage, accidents, liability claims, and more.


Hutson-Etherredge Companies provides insurance for RVs, campers, boats, personal watercraft, motorcycles, ATV's, UTV's, Golf Carts, low speed vehicles, and other recreational vehicles throughout South Carolina, helping you enjoy the ride with confidence.

What Does This Insurance Cover?

A white rv is parked on the side of the road.
A black and white drawing of a star on a white background.

Physical damage
Covers repair or replacement costs if your RV, boat, or other vehicle is damaged in an accident, storm, fire, or theft.

A black and white drawing of a shield with a heart inside of it.

Liability coverage
Provides protection if you're found responsible for injuring someone or damaging property while using your recreational vehicle or boat.

A black and white drawing of two circles on a white background.

Uninsured/underinsured motorist
Covers injuries and damages if you're hit by someone who doesn’t have any insurance or enough insurance to cover the loss.

A black and white drawing of a map pin with a circle in the middle.

Towing and roadside assistance
Helps with emergency services like towing, fuel delivery, or breakdown support while on the road or water.

A black and white drawing of two circles on a white background.

Accessory and equipment coverage
Insures added features like navigation systems, trailers, awnings, or fishing gear.

Why You Need It

Protects valuable vehicles

Boats and RVs represent significant investments and can be costly to repair or replace without coverage.

Liability risks are real

Accidents on the water or highway can lead to injury or property damage—and potential lawsuits.

Required in many situations

Insurance is often needed for registration, marina storage, or financing purposes.

  • Is RV insurance required in South Carolina?

    Yes. If your RV is motorized and driven on public roads, it must meet liability requirements under state law.





  • Does my homeowners policy cover my boat?

    Only in very limited cases. Most boats and personal watercraft need their own insurance policy for full protection.





  • Are trailers and campers covered under my auto insurance?

    Basic liability may extend from your vehicle, but physical damage, theft, and contents are typically not covered without additional insurance.



Get a Quote for RV and Boat Insurance

Protect your boat, camper, or recreational vehicle with insurance that fits your lifestyle. Contact Hutson-Etherredge Companies to get options for the coverage you need for the road, the water, or anywhere in between.


Call us today at  803-649-5141 or click below to request your free quote.