Alabama Boat Insurance

Alabama - simply one of the most beautiful parts of the country. Offering the second-largest inland waterways in the country. Alabama provides access to the great Mississippi River, Tennessee River and the Gulf of Mexico. There's nothing quite like Alabama, and boating is one of the best ways to enjoy her, whether it be on one of its many lakes and rivers, or along the Gulf Coast. Finding the right company to work with is not always easy. NBOA Marine Insurance, a leader in boat and yacht insurance, would like to remind you that when buying Alabama boat insurance, remember that AL is a unique state and exposed to many different perils, such as tonados, wind damage, flooding, sun damage, submerged objects in rivers, and more.

Here are some features to Alabama boat insurance to keep in mind:

• Hail damage can be a big concern in Alabama. Be sure your policy covers damage resulting from hail storms.
• Be sure damage to your electronics and other equipment is covered in the event of a lightning strike.
• Most carriers use a separate windstorm deductible in the event a boat is damaged during a named windstorm. This may be 5% to 10% of the hull value. For inland Alabama boaters, a windstorm may not apply.
• Navigation limits might exclude the coastal exposure, so be sure to check your policy if you plan to use your vessel in the Gulf.
• Tornados are also a common peril in Alabama. Is your boat protected from tornado damage? Alabama, along with Oklahoma report more EF5 tornados than any other state in the US.
• Some carriers will require owners to be a full-time resident of Alabama, and not be absentee owners. Carriers want to make sure owners are with their boat at all times and are not absentee owners because this represents an added risk for theft. In case of a hurricane, carriers want to make sure owners are able to get their boats to safety.
• Bass boats should also have customized coverages due to high-value fishing equipment, chartering, navigation, and speed. Bass boats also have higher max speed limits, usually 80mph.
• High-Speed or go-fast boats present a greater risk, so they are subject to a different set of underwriting guidelines.
• A hurricane haul out agreement may be required or may make you eligible for a discount on your premium.
• Alabama boating is truly a unique and rewarding experience, whether it is in fresh or salt water. Make sure you're getting all the coverage you need to protect you and your family. For more information about boat insurance, contact an experienced agent at NBOA Marine Insurance at 1-800-248-3512 or complete a free boat insurance quote online.