Owning a boat means doing everything possible to protect your investment. We offer boat insurance here at Russ Richardson Agency in Birmingham, AL. Boat insurance protects you if you get into an accident while your boat is parked or in the water.
Boat/Watercraft Requirements
Boat insurance is not legally required in the state of Alabama. But, a lender can require insurance once you finance or lease your boat. Furthermore, marinas can ask for proof of insurance as well.
Boat/Watercraft Coverage
Here is what boat insurance covers:
- Bodily injury liability- If you cause an accident on your boat and injure another person, this will cover the injured person’s medical expenses and lost wages.
- Property damage liability- This will cover damage that you cause to another person’s property with your boat.
- Collision- This covers damage to your boat, trolling motor, and motor if you are involved in an accident with another boat.
- Comprehensive- This will cover the costs of damage to your boat or motor if your boat becomes damaged from theft, storms, or fire.
- Medical payments- This will cover your medical bills for both you and your passengers if you become injured while operating your boat.
- Personal effects- This covers the cost of replacement for damage or loss to your personal property while you are on board your boat.
- Roadside assistance- This will cover towing costs for your boat if your boat is in need of repair.
- Fishing equipment- If your fishing equipment becomes damaged while on your boat or being carried, it will cover repair or replacement expenses.
Quotes
To obtain a quote for boat insurance, call us at Russ Richardson Agency. Our office is located in Birmingham, AL. Our agents will assist you in finding the appropriate coverage to match your unique needs.
