Insurance Tips for Jet Skis, Pontoon Boats and Speedboats

If you’re planning to enjoy waterways in Foley, AL, it’s essential to understand the importance of a comprehensive boat insurance policy. While some areas do not legally require insurance for recreational watercraft, having coverage is highly recommended for financial and legal protection. Without proper insurance, you could be personally responsible for costly accidents, injuries and property damage.

Tips for Obtaining Boat Insurance

Consider the following tips for getting boat insurance:

• Determine your insurance needs. Assess your boat’s value, size, type, usage and location to understand what kind of coverage you need and appropriate policy limits. For example, an insurance policy for a Jet Ski will differ from one for a pontoon boat.

• Familiarize yourself with coverage options. Boat insurance policies typically offer liability coverage, physical damage coverage, medical payments coverage, uninsured boater coverage, and towing and assistance coverage. Carefully review the benefits of each of these coverages to determine if they are appropriate for your specific watercraft.

• Research ways to save on your premium. While cost should not deter you from getting necessary coverage, it can be an essential factor when deciding on policy details. To help, you may be able to find ways to save, such as bundling insurance policies, taking boating safety courses, installing safety features or opting for a policy with a restricted navigation area.

• Work with a local insurance broker. Select an insurance broker in your area with experience in crafting tailored boat insurance policies. They can help tailor a policy to fit your specific circumstances and ensure you comply with local mandates or marina rules.

Learn More

For boat insurance near you, contact Southern Insurance AL LLC.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.