Foley, Alabama
222 W Laurel Ave
Foley, AL 36535
(251) 943-2281

A Quick Guide to Boat Insurance October 21, 2020

Foley, Baldwin
A Quick Guide to Boat Insurance, Foley, Alabama

While boat insurance is mandatory in some states, Alabama is not among them. However, it is still a good idea to purchase coverage if you are an Alabama resident who spends many days on the water. Use this guide to learn more about boat insurance, including what it covers and how it benefits boat owners.

What Boat Insurance Covers

These policies generally include coverage for property damages and injuries sustained while operating assorted vessels. They feature collision damage that pays for boat repairs or replacement, as well as property damage to other watercrafts and structures, such as docks and breakwaters. However, collision and property damage typically does not cover wreckage-related cleanup costs.

insuranceIf people are injured during a boat outing, the responsible party’s insurance carrier pays for any medical care and related costs. A policy could also cover other damages, such as income losses if the injury leaves them unable to work for a time. Boat insurance also includes paying for vandalization-related repairs. Coverage for other things, such as oil spills, fishing equipment, and uninsured boater damage, is supplemental.

What Option Is Best for You

Whether you require supplemental coverage in addition to a standard policy depends on factors like the size of your vessel and its motor, the intended waterways of use, and how often you operate the watercraft. The age of the boat also plays a role. If the vessel is older and you only take it out a few times a year on calm and low-traffic waterways, you will not require as much coverage as a brand-new vessel that’s used weekly on popular lakes, rivers, bays, or the open ocean.

Policy premiums subsequently range from about $200 to a few thousand. However, discounts are available for factors like boats that have diesel-fueled engines and fire suppression systems. 


Discuss the best boat insurance for your coverage needs with the team at Ebert Agency. This independent and family-operated agency was founded in 1928 and serves residents throughout Foley, AL, and the surrounding areas. They also offer customized policies for home, personal, auto, renters, flood, and other recreational vehicle insurance. Call (251) 943-2281 to make an appointment, or request a quote online.