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Alabama Boat and Watercraft Insurance

Calhoun County Insurance can help make your time on the water relaxed and worry-free. Because we represent some of the best boat and watercraft insurance companies, we will find the best comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment all at an affordable price. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Risks that are covered under boat and watercraft insurance include:
  • Sinking
  • Fire
  • Storms
  • Theft
  • Capsizing
  • Stranding
  • Collision
  • Explosion
The property covered under boat insurance includes equipment permanently attached to the boat as well as:
  • Anchors
  • Oars
  • Electric trolling motors
  • Extra fuel tanks
  • Tools
  • Detachable canopies
  • Seat cushions
  • Life preservers
  • Skis and their tow ropes
  • Dinghies
Other coverages to consider when shopping for boat and watercraft insurance include:
  • Liability

Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Uninsured/Underinsured Watercraft Bodily Injury

Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Personal Effects

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Personal effects coverage does not include jewelry, watches or furs.

  • Emergency Assistance

Emergency assistance coverage provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
 

Contact Your Alabama Boat Insurance Agent

Do you know what to look for in an Alabama watercraft insurance policy? Calhoun County Insurance can help you determine the right amount of coverage to meet your specific needs. Just call us today at 256-435-2242 to get started or click here
to request more information and one of our experienced agents will contact you with rate comparisons for boat and watercraft insurance.