Watercraft & Boat Insurance in Foley, AL

For many boating enthusiasts, nothing beats the feeling of being out on the open water, whether cruising along the coastline, enjoying water sports or embarking on a relaxing fishing expedition. However, it’s crucial to recognize the importance of boat insurance to mitigate potential risks and uncertainties.

What Is Personal Boat Insurance?

Personal boat insurance provides coverage and protection for the risks and liabilities associated with owning and operating a boat. At Southern Insurance AL LLC, a personal boat is defined as any boat that is under 35 feet and valued at less than $175,000.

What Does Personal Boat Insurance Cover?

Personal boat insurance typically offers the following coverages, among others:

• Liability coverage may help pay for property damage or bodily injuries you cause to others while driving your boat and may help cover legal fees resulting from such accidents.
• Uninsured/underinsured coverage may help pay to repair or replace your boat if it’s involved in an accident with an at-fault party that lacks appropriate insurance. These coverages may also help cover medical expenses for bodily injuries you suffer from these accidents.
• Medical payments coverage may help cover medical expenses for you and your passengers if you are in an accident involving your boat, regardless of who was at fault.

Some additional coverage options may include roadside assistance, water sports coverage, total loss replacement, comprehensive coverage and collision coverage.

Do You Need Personal Boat Insurance?

The requirement for boat insurance varies depending on the jurisdiction and local regulations. In some jurisdictions, boat insurance is mandatory for certain types of watercraft or under specific circumstances. However, in many places, boat insurance is not legally required.

Even if boat insurance is not mandatory, you should consider the potential risks and financial consequences of not having coverage. Boat insurance can provide protection for your vessel against damage, theft and other perils. It can also offer liability coverage to protect you financially if you are held responsible for causing injury or property damage to others.

How to Get Boat Insurance

Southern Insurance AL LLC is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.