Wells Insurance Blog

Regulations & Legislation Impacting Boating in Southeastern NC

Written by Wells Insurance | Apr 8, 2025 2:41:12 PM

The boating industry is constantly evolving, with new regulations and legislation frequently introduced at both the state and federal levels. For boat owners in southeastern North Carolina, staying up to date on these changes is essential to avoid fines, ensure safety, and maintain proper insurance coverage. Here are some key legislative updates affecting boaters today.

1. Safety Equipment Requirements

Boating safety laws are being updated regularly to ensure that boaters have the necessary equipment to protect themselves and others on the water. Be aware of all safety equipment regulations and updates which may include:

  • One Type I, II or III portable floatable device (PFD) of a suitable size per person aboard and skier towed
  • A throwable PFD if your boat is 16 feet long or longer
  • An anchor and line
  • Visual and sound-producing distress signals, such as a power horn, flare gun, whistle or bell, mobile phone, or radio
  • Fire extinguishers approved by the USCG
  • An up-to-date weather and warning report
  • A compass and chart
  • A first aid kit, including medication specific to anyone on board with a medical condition
  • A tool kit containing the necessary tools, including a flashlight, extra batteries and a rope
  • Approved fuel storage and navigation lights

2. Registration and Titling

Boat ownership is similar to owning a vehicle — you must register and title it. Once you do, the law requires you to carry the relevant documentation on board at all times while navigating North Carolina’s waterways.

The following vessels must be registered and titled by the owner or owners:

  • All PWCs
  • Any new or transfer motorized vessel that measures 14 feet or longer
  • Sailboats over 14 feet long at the load waterline used on public waters
  • Vessels documented by the U.S. Coast Guard (USCG) that have been operating for over 90 days in North Carolina
  • Vessels with an out-of-state registration brought into North Carolina for over 90 days, unless it’s a temporarily stationed, active-duty military vessel

3. Environmental Regulations

As environmental concerns grow, regulations surrounding the environmental impact of boating have become stricter. Boat owners in southeastern NC should be aware of:

  • Fuel regulations: Certain regulations have been in place for awhile. Every motorboat shall have the carburetor or carburetors of every engine therein (except outboard motors) using gasoline as fuel, equipped with such efficient flame arrestor, backfire trap, or other similar device as may be prescribed by the regulations of the Wildlife Resources Commission. Proper ventilation must exist, including but not limited to using bilge blowing motors and fans to prevent explosions. When fueling it's important to prevent spillage and to report spills.

  • Waste disposal: New guidelines on waste disposal in coastal waters may include stricter rules on sewage systems, trash disposal, and the use of certain cleaning chemicals. In North Carolina, boaters must dispose of human waste in an environmentally safe manner at designated pumpout and dump stations, and discharging sewage into coastal waters is prohibited in designated "No Discharge Zones". 

3. New Boating Age Requirements

To promote safety on the water, you do need a boating license in North Carolina. The state has several strict regulations regarding the age and qualifications required to operate a motorized vessel. It’s called a Boater Education Certificate, and someone born on or after January 1, 1988, needs one to drive a vessel that produces 10 or more horsepower (HP) on public waterways.

This boating certificate is also necessary for anyone 14 or older to operate a personal watercraft (PWC). However, if a 14-year-old is accompanied on the PWC by an adult at least 18 years old who has this license, they can drive it without their own. At any time, this adult must be willing and able to take control of the PWC.

Someone younger than 14 may not drive a PWC under any circumstances in North Carolina.

To obtain a boating license in North Carolina, you must complete a boating education course approved by the National Association of State Boating Law Administrators (NASBLA).

4. Impact on Insurance Policies

Changes in regulations could also impact your marine insurance policy. Boat owners may find that their policies need to be adjusted to meet new legal requirements or address new risks associated with the legislation. For example, stricter safety regulations may require boaters to equip their vessels with additional gear, which could affect coverage and premiums.

Staying Compliant and Protected

Keeping up with USCG and NC State boating regulations is key to maintaining a safe and legal boating experience. If you haven't already, you can take a USCG Boating Safety Course to potentially get a discount on your boat insurance. You can also get a free Vessel Safety Inspection which lets local marine law enforcement that you are a conscientious boater and have taken the extra and and consideration to pass all safety requirements. 

Always make sure to check with NC Wildlife Resources Commission and USCG to review the latest legislation and ensure that your boat is compliant with new safety and environmental laws.

Navigating new boating laws can be overwhelming, but Wells Marine Insurance is here to help. Our experienced team can review your policy to ensure you’re compliant with all recent legislative changes. Contact us today to make sure you’re fully covered and up to date with the latest regulations.