"While Harvest's inland location might suggest limited boating activity, our community's proximity to Wheeler Lake and the Tennessee River creates abundant opportunities for water recreation. I'm dedicated to providing Boat Insurance solutions that address the specific risks vessels face in our regional waterways, from coverage during seasonal weather events to protection against the unique hazards of river navigation. Our tailored policies ensure comprehensive protection for everything from fishing boats to weekend pontoons, helping Harvest residents fully enjoy our nearby water resources with complete confidence in their vessel's security."

- Clayton Joyner, Owner, UR Choice Insurance

Get The Boat Insurance Discounts You Deserve In Harvest, Alabama

Multi-Vessel Discount

Many Huntsville families maintain multiple watercraft to enjoy our diverse waterways. Whether you're keeping a pontoon for family gatherings at Ditto Landing and a fishing boat for early mornings on Wheeler Lake, we understand the multi-boat household. Save significantly when you insure multiple vessels under the same policy. Our multi-vessel discount typically saves boat owners 15-25% on their total premium.

Boating Safety Course Discount

The Tennessee River system requires specific knowledge and skills for safe navigation. Complete an approved boating safety course through the Alabama Marine Patrol or U.S. Coast Guard Auxiliary at Ditto Landing, and earn substantial discounts on your premium. This course covers local waterway regulations and safety protocols specific to our river system. New boaters can save up to 15% on their coverage.

Safe Captain Discount

Experience matters on our local waterways, from managing barge traffic to navigating Wheeler Dam's currents. Captains with clean boating records demonstrate their commitment to safety and deserve recognition. Our safe captain program tracks your incident-free history and rewards you with increasing discounts. Maintain a claim-free record for maximum savings.

Safety Course

Earn valuable insurance discounts by completing a state-approved boating safety course through reputable organizations like the U.S. Coast Guard Auxiliary or U.S. Power Squadron. These courses enhance your knowledge of safe boating practices, helping you navigate with confidence while lowering your insurance premiums. Stay safe and save money on the water!

Multi-Policy/Bundling

Save by combining your boat insurance with other policies like auto, home, or RV insurance.

Lay-up Period

Receive discounts during periods when your boat is stored and not in use, typically during off-season months.

Original Owner

Get a discount if you're the first owner of the boat and have comprehensive and collision coverage.

Responsible Driver

Save significantly if you maintain a clean boating and driving record for three years.

Equipment Credits

Install safety devices like GPS, radar, CO2 detectors, and alarm systems for additional savings.

Claims-Free

Qualify for a discount when you have no at-fault claims or comprehensive claims over $1,000 in the previous 12 months.

Get the Boat Insurance Coverage You Need at a Price You Can Afford in Harvest, Alabama

Liability Coverage

Operating on the Tennessee River system means sharing the water with everything from bass boats to commercial barges. Our liability coverage protects you financially if you're responsible for injury or damage to others while boating. This coverage is particularly important given the variety of watercraft on Wheeler Lake and the Tennessee River. We recommend coverage limits that reflect the high value of waterfront properties and modern fishing boats common in our area.

Collision Coverage

Our local waterways present unique challenges, from submerged obstacles in Wheeler Lake to dock mishaps at Ditto Landing. Collision coverage ensures your boat is protected in case of accidents, regardless of fault. We partner with local certified marine repair facilities who understand our boats and can get you back on the water quickly. Coverage includes repairs or replacement of your vessel after a collision.

Comprehensive
Coverage

Personal Effects
Coverage

Fuel Spill
Liability

Uninsured Boater
Coverage

Towing &
Emergency Service

We'll Shop, You'll Save in Harvest, Alabama

As North Alabama's premier boating destination continues to grow, we're seeing more watercraft on our lakes and rivers than ever before. Our local agents understand the unique challenges of boating in the Tennessee Valley, from summer storms that can appear suddenly over Wheeler Lake to the specific requirements for operating near Wheeler Dam. We'll shop multiple carriers to find coverage that protects you on every waterway, from Ditto Landing to the Wheeler National Wildlife Refuge.