Boat Insurance

When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland, and kick back by yourself or with good friends.

Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At HRT Insurance Group, we make sure that you enjoy your time on the water, without having to worry about what could do wrong.

We understand the differences between power boaters, sailors, and commercial fishermen, and can tailor an insurance policy to your unique needs. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available.

Our Boat insurance plans can provide you with coverage against many different types of loss. We offer:

Medical Payments Coverage

  • We offer Medical coverage that can cover your eligible medical expenses if you get hurt when on the water.

Physical Damage Coverage 

  • This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.

Liability Coverage

  • If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We'll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Fill out the form above to learn how HRT Insurance Group can keep you safe and secure with a Alabama watercraft insurance policy.

Yacht Insurance


Many of the same types of coverages apply whether we are insuring a boat or a yacht. In the event you have a yacht or are purchasing a yacht it is in your best interest to obtain an updated survey of the yacht prior to seeking insurance coverage. Many companies require this and it will be helpful for you as well. Also, in the event you will have a captain of the yacht, please be prepare to provide his licensing information.