Nowell Agency, Inc. > Personal Insurance > Personal Boat Insurance

Personal Boat Insurance

Why Do You Need Boat Insurance?

Although personal boat insurance plans are not mandatory in Mississippi and Alabama, it is still a vital part of being a responsible boat owner. A personal boat insurance policy will help in a variety of ways:

  • Protects and helps to maintain the value of your boat. Most boat owners see their watercraft as an investment. The best way to protect your investment is through insurance
  • You have no control over what other boaters do on the water. Some boaters may not be as cautious as others, which puts other boaters in harm’s way. Insurance provides you with protection in the event you have a collision or your boat sustains damage due to another
  • Boat repair costs are expensive. Unlike a motor vehicle that may drive “OK” after an accident, boats must be properly repaired to be declared seaworthy
  • Coverage against those “little accidents” in life. Whether it’s your 16 year-old backing out the boat, but then hitting the pier or your boat sustains damage after a wicked storm, insurance coverage provides you with peace of mind

Learn more about personal boat insurance (and why you need it) and request a quote online. Or call us at one of our 7 locations today.

Types of Boat Insurance Coverage

Boat insurance coverage is for a watercraft generally for boats small to medium in length. Larger vessels in the yacht class warrant a different type of insurance. Jet skis, wave runners and other personal watercraft vessel owners should also seek a unique policy designed for personal watercrafts.

  • Broad coverage: protection for your boat, trailer and property from damage due to fire, theft, collision from an underwater object, glass damage, storm damage and even due to an auto accident while you are transporting your watercraft
  • Towing and roadside assistance: whether on land or water, towing assistance to get you to the nearest mechanic
  • Bodily injury: liability and medical coverage in the event one of your passengers or another boater or swimmer are injured due to your vessel
  • Property damage: coverage in case your vessel damages another boat or property

Contact the Nowell Agency for more information about personal boat insurance or call us at 601-992-4444 today.


The Nowell Agency is committed to providing you with fast and efficient service. If you would like a quote on any of our products please complete the short form below and click submit.

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    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


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