Boat/Watercraft Insurance

Boat/Watercraft Insurance

Boat insurance is important to have, especially if you plan on keeping your boat docked at a marina. Boat insurance would protect your investment if something were to happen. This includes an accident with another boat or damage from weather or even vandalism. We can assist you here at Hapbridge in getting the right policy to keep you and your watercraft secured while you are enjoying the water.

Is insurance required in Alabama for my boat or watercraft?

While insurance is not required in the state of Alabama on your boat or other watercraft, you may run into some other cases that may require you to obtain it. For example, when buying a boat, your bank will require proof of insurance if you plan on financing the payment. You will need to have coverage that will protect the entire value of your boat. There may be minimum requirements set up with the bank that you will have to meet.

There are also many marinas and ports that make it mandatory for boat owners to carry boat insurance to use their facilities. Some marinas also require a minimum policy with liability limits to moor your boat with them.

Boat/watercraft Additional Coverage

You can take advantage of any of the following coverage options:

  • Liability - If you are at fault of a boating accident, you will need liability coverage, especially if another person or boat is involved. You can choose the amount of liability coverage you’d like.
  • Physical damage - This is an optional coverage that will protect your motor, boat, and trailer. You can choose the right amount of physical damage coverage you feel is best for your situation.
  • Medical payments - If you get hurt while on the water, medical coverage will help cover the costs of any medical expenses that are deemed eligible.


Give us a call today or complete our request for quote form.

While our office is located in Vestavia Hills, AL, we serve all of Alabama

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Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!
  • 38 years of combined insurance experience

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Partner Carriers

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