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Watercraft & Boat Insurance in Priceville, Cullman, & Decatur AL

Like most vehicles, boats are susceptible to various incidents both out on the water and in storage. Boat insurance can limit potential out-of-pocket expenses following a covered accident.

What Does Boat Insurance Cover?

Policies differ among boat owners, but standard coverage typically includes the following:

  • Liability coverage helps cover expenses if your boat causes damage to another person’s property.
  • Medical payments coverage helps cover medical expenses if you or a passenger is injured on your boat.
  • Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
  • Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.

Reach out to Akin & Associates Insurance Group to learn about potential policy customization options.

Is Boat Insurance Required?

The state of Alabama does not require boat insurance. However, carrying coverage can limit potential accident-related costs. If an accident occurs and you do not have boat insurance, you may have to pay high out-of-pocket costs.

How Expensive Is Boat Insurance?

Boat insurance costs can vary significantly among policyholders. Insurance for a larger boat, such as a yacht, might be considerably more expensive than coverage for a standard speed boat. Additionally, your insurance carrier may use factors such as your insurance claim history and location to determine your coverage rate.

Contact Our Agency

If you are a boat owner, the dedicated agents at Akin & Associates Insurance Group can assist you in learning more about insurance options to help you select the proper coverage for your boat.

We serve Cullman, Decatur, Priceville, Harstelle, Moulton, Madison, Huntsville, Town Creek, Courtland, Faulkville, Vinemont, Hillsboro, Athens, Rogersville, Hanceville, Arley, Addison, Eva, Union Hill, Somerville, and the surrounding communities in Northern Alabama.

Contact our agency today at 256-355-8500 to learn more.

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