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Boat Insurance

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Set Sail with Confidence

Boat Insurance to Keep You Afloat

Whether you’re cruising Alabama’s lakes, fishing offshore, or simply enjoying a day on the water, your boat deserves the same level of protection as your home or car. Byars Cooper Insurance Agency offers tailored boat insurance policies to safeguard your vessel and ensure smooth sailing, no matter what comes your way.

Covers Damage or Loss

Protects your boat from accidents, weather damage, theft, and vandalism, whether on the water or in storage.

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Provides Liability Coverage

Shields you from financial risks if you cause injuries or property damage while operating your boat.

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Protects Passengers

Ensures medical coverage for you and your passengers in case of an accident.

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What We Cover

  • Collision Coverage

    Pays for repairs or replacement if your boat is damaged in an accident.

  • Comprehensive Coverage

    Protects against non-collision risks such as theft, fire, or weather-related damage.

  • Liability Protection

    Covers injuries or property damage you’re responsible for while using your boat.

  • Uninsured Boater Coverage

    Provides financial protection if you’re involved in an accident with an uninsured or underinsured boater.

  • Towing and Assistance

    Covers costs for towing and emergency services if your boat becomes inoperable on the water.

  • Gear and Equipment Coverage

    Ensures coverage for personal belongings, fishing equipment, or navigation tools on board.

A man and two women are laying on a boat in the water.
A man and a woman are sitting on a boat in the water at sunset.

Why Choose Byars Cooper Insurance?

  • Watercraft Expertise: We understand the unique risks boat owners face and provide customized coverage.


  • Local Knowledge: With Alabama’s waterways in mind, we tailor policies to fit your specific boating lifestyle.


  • Reliable Providers: Partnering with top carriers ensures competitive rates and dependable protection.