Skip to content
Click to Call
The Mitchell Agency LLC

4170 Carmichael CT., Ste. A
Montgomery, AL 36106

Get Directions

Alabama Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in Alabama

Getting out on the water with family and friends for a day of fishing or soaking up the sun is a favorite activity for many Alabama residents. Unfortunately, these outings do not always end without incident.

Every year, there are over 5,000 boating and watercraft accidents, and damages from these accidents total an average of $62.5 million. Like any other vehicle, you might consider getting an insurance policy on your boat or watercraft in Alabama.

Does Alabama Require Boating Insurance?

The short answer is no. The state of Alabama does not require boating insurance. However, several marinas require you to have boating insurance to dock your boat there. Also, if you have financed your boat, the finance company will require you to get an insurance policy. So, while the state does not require it, there are instances where you may need it.

Why is Boating Insurance in Alabama Important?

Boating accidents happen all the time. Even though the state of Alabama doesn’t require insurance, that doesn’t mean you aren’t responsible for damages incurred in a boating accident. If you do not have insurance on your boat or other watercraft, you will have to pay those damages out of pocket, which can be costly.

Boating Insurance in Alabama

Boating insurance in Alabama can cover a variety of watercraft, such as kayaks, canoes, sailboats, Jet Skis, yachts, and more. When searching for a boating insurance policy in Alabama, you will want an experienced and knowledgeable insurance agent to help you find the policy that best fits your needs. Boating insurance can be complicated and include several policy options, but it can be affordable and fit your budget. The Mitchell Agency LLC in Montgomery, AL, has the knowledge and expertise to customize a boating insurance policy that works for you. Stop in or give us a call today to explore your options.

Request a Quote

Servicing States

  • Alabama
  • Georgia


Partner Carriers

  • Allstate
  • Centauri
  • Encompass
  • Guard
  • Heritage
  • Liberty Mutual
  • Nationwide
  • Orion180
  • Progressive
  • Safeco
  • State Auto
  • The Hartford
  • Travelers