The Essentials Of Boat Insurance In Alabama

April 29, 2020

Here at Align Insurance Group, we provide a variety of insurance coverage options, including boat insurance for Spanish Fort, AL residents. Take a look at the details and advantages this coverage provides.

What is Boat Insurance?

Boat insurance is coverage that protects you in instances when you damage your boat or destroy it, and it becomes a loss. This type of coverage offers protection for a variety of watercraft with motors, including:

  • Paddle boats
  • Yachts
  • Fishing boats
  • Leisure crafts
  • Pontoon boats

What Types of Coverage Are Available with Boat Insurance?

The types of coverages available with boat insurance include:

  • Collision damage
  • Property damage liability
  • Bodily injury liability
  • Comprehensive
  • Additional coverage options

Collision Damage

Collision damage includes the repair or replacement of your boat. This type of coverage may or may not include wreckage clean up. If not, this type of coverage may be offered as an additional coverage option.

Property Damage Liability

This damage liability coverage is used when you damage someone else’s property or equipment.

Physical Damage

If you involved in an accident while on the water, physical damage coverage takes care of the boat and equipment that is damaged.


Comprehensive coverage is similar to that of full coverage for a vehicle. This coverage takes care of everything collision does not cover, including vandalism, wind, rain, and fire.

Equipment Coverage

Equipment coverage is insurance for all the equipment you have in your boat or motored watercraft. This equipment can include but is not limited to GPS, towable items, and a variety of fishing gear.

Uninsured/Underinsured Coverage

It’s not uncommon for boaters to carry little to no boat insurance. Uninsured or underinsured insurance coverage handles damages and other repairs, as well as medical instances.

Towing Coverage

This coverage is similar to roadside assistance. Towing coverage is there if your watercraft becomes immobile and helps you safely get to shore.

Align Insurance Group provides boat and watercraft insurance in addition to other types of insurance, including flood, home, commercial, auto, and umbrella insurance. Contact us to learn more about our insurance coverage. We’re always ready to help.

26041 Predazzer Ln Suite C,
Daphne, AL 36526

We are providing reliable policies that protect the Alabama & Florida Gulf coast.

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