Recreational Vehicles Commercial Business & Liability Motorcycle Home Page Renters Insurance Medicare Auto Life & Health Contact Us About Us Map & Directions Customer Service Get A Quote
Home > Rv > Recreational Vehicles (RV's) - Boats and Watercrafts
  • Main Menu
    • Home Page
    • Secure File Area
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • Location Map
    • Contact Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Instant Infinity Auto Quote
  • Homeowners
    • Homeowners Insurance Home
    • Request Evidence of Insurance
    • Alabama Homeowners Quote Form
    • Alabama Mobile Home Quote
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcycle Insurance Quote
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Request ID Card for Commercial Auto Policy
    • Add Vehicle to Existing Commercial Auto Policy
    • Remove Vehicle from Existing Commercial Auto Policy
    • Add Driver to Existing Commercial Auto Policy
    • Remove Driver from Existing Commercial Auto Policy
    • General Liability Quote Form
    • Business Owners (BOP) Quote Form
    • Workers Compensation Quote
    • Alabama Restaurant Quote
    • Convenience Store Application
  • Health
    • Health Insurance Home
    • Health Insurance Quote
    • Request Declaration and Coverages Page for Existing Health Insurance Coverage
    • Instant Life & Health Humana Quote
  • Recreational Vehicle
    • Recreational Vehicle Insurance Home
    • Recreational Vehicle Insurance Quote
    • Add Recreational Vehicle to Existing Policy
    • Remove Recreational Vehicle from Existing Policy
    • Add Driver to Existing Recreational Vehicle Policy
    • Remove Driver from Existing Recreational Vehicle Policy
  • Life
    • Life Insurance Home
    • Life Insurance Quote
    • Term Life Insurance Quote
    • Request Declaration and Coverages Page for Existing Life Insurance Coverage
  • Medicare
    • Medicare Insurance Home
    • Alabama Medicare Supplement Quote Form
    • Instant Medicare Humana Quote
  • Watercraft & Boat
    • Watercraft & Boat Insurance Home
    • Watercraft Insurance Quote
    • Add Watercraft to Existing Policy
    • Remove Watercraft from Existing Policy
    • Change Primary Operator on Existing Watercraft Policy
  • Other
    • Other Insurance Home
    • Policy Review Request

Boats and Recreational Vehicle Insurance Information

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Watercraft and Boats Quote Form

RV Quote Form


Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Liability Insurance for Recreational Vehicles and Boats

Your recreational vehicle or boat is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

 

For Recreational Vehicles:

Recreational Vehicle Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Recreational Vehicle Policy
Add Recreational Vehicle to Existing Policy
Remove Driver from Existing Recreational Vehicle Policy
Remove Recreational Vehicle from Existing Policy
 

For Boats and Watercraft:

Watercraft & Boat Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Watercraft or Boat to Existing Policy
Change Primary Operator on Existing Watercraft Policy
Remove Watercraft from Existing Policy

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

   
Locations