Boat/Watercraft Insurance in Alabama

Why not enjoy the water stress-free by obtaining insurance on your boat or other watercraft? Even though we know that accidents can happen, with some being unpreventable, the best thing you can do is cover yourself with insurance. We offer a wide range of coverage for boats and watercraft here at Magic City Insurance Group LLC in Vestavia, AL.

Boat/Watercraft Insurance Requirements

There are no laws requiring boat insurance in Alabama, Mississippi, Tennessee, and Texas. However, if you are ever involved in an accident, you are responsible for any damages you incur. It is necessary to keep your safety prioritized prior to having fun. Additionally, marinas may require you to obtain boat insurance as well, so it is always recommended to do so.

Coverage

We provide a vast majority of plans for your boat including:

Medical payments coverage- This will cover your medical expenses that are eligible in the event you are injured while on the water.
Physical damage coverage- This coverage will protect your boat, trailer, and motor. It will cover damage to your boat in the event you are involved in an accident.
Liability coverage- If you are involved in a boating accident, there is a good chance another boater is involved. This will protect you if you are at fault for the accident and will cover the other person’s medical expenses and any lost wages.
Uninsured/underinsured coverage- This will protect you against other boaters who are not insured or underinsured if you were to become involved in an accident with them, and they are at fault, this will cover you.
Fuel spill liability- This will cover you if your boat sinks or is damaged. You are required by law to have any leakage, fuel, or oil cleaned up.