Tuscaloosa, AL Boat/Watercraft Insurance Agents

Is boat insurance mandatory in Alabama?

It is not required to carry Boat insurance in Alabama. However, when you are at fault for an accident, you are liable for the injuries and property damage you cause. Plus, if a financial institution finances your boat, they will require you to buy boat insurance to protect your assets from perils like fire, accidents, hail, falling objects, and theft.

Boat insurance coverages

Needs differ from one boater to another. Fortunately, we are here to help guide you and help you choose options that suit your unique needs. Here are some boat insurance coverages to learn more about:

Liability coverage: When you are at fault for an accident, liability claims can be significant. If you don’t have boat insurance, you can quickly find yourself in a financial mess. Liability coverage protects you from lawsuits and helps pay for injuries and damages you may cause.

Collision coverage: Pays for damages to your boat resulting from an accident with another boat or stationary object.

Comprehensive coverage: Covers physical damage to your boat when non-collision perils like theft, fire, vandalism, and natural disasters strike.

Medical payments coverage: Covers medical bills for you and your passengers after a boating accident.

Uninsured/underinsured boater coverage: Because watercraft insurance isn’t mandatory in Alabama, there is a likelihood that many boaters don’t carry boat insurance. This coverage protects you in hit-and-run scenarios and when you collide with a boater carrying little or no insurance.

Are you looking for an affordable boat insurance policy in Tuscaloosa, AL? Please get in touch with Baldo-Downs Insurance LLC for a competitive quote.

Our Services

Servicing States

Alabama
Mississippi

Testimonials

Absolutely wonderful agency! When I started my business, I was so overwhelmed with all of the different types of insurance that I needed. One of the agents sat down with me, we walked through my business plan and she told me what I needed now and what I'd likely need in the future. Throughout the years as we started to grow all I had to do was send an email explaining the situation and Stephen knew exactly what I needed. He has always been incredibly responsive and extremely knowledgeable. Being a client of Baldo-Downs has given me piece of mind knowing that I don't have to worry whether we are covered if something goes wrong. Thank you!

-Franchessa S.

Stephen took plenty of time researching my policies. When he had something better (coverage and price), he told me. When he didn't, he was honest even though it meant no getting my business. Much respect for his integrity! Sometimes price isn't the MOST important thing.

-Kristi E.

Switching to Baldo-Downs insurance is one the best decisions I’ve made in a long time. I wish I had done it sooner. After using USAA for decades I thought I was getting a good deal. I am now saving a VERY substantial amount of money on home & auto insurance. So nice to have someone local that I can speak to. Highly recommend!

-David D.

My wife and I have been with Baldo-Downs for a few years now. I can't say enough about how wonderful they are. Any questions or concerns they are always there to answer them. Always, and I do mean always, giving us their best. I would recommend anyone to call and see what they can offer you. Hand's down the best insurance company.

-Harley F.

Working with Baldo-Downs Insurance is always a pleasure. Everyone is always friendly and go out of their way to help me save money. We’ve been with Baldo- Downs for a couple of years and I wish I would have changed my insurance to them years ago!

-Karen L.

I was quarantined due to having Covid but I needed to get insurance asap due to Pam Marburg at State Farm dropping me without notice. Stephen was able to get me a new policy going in just a few hours over the phone. I highly recommend his agency!

-Mitchell H.

Baldo-Downs Insurance LLC

Boat/Watercraft Insurance

Boat/Watercraft Insurance in Alabama