Birmingham has 198,173 residents in 88,788 households. We list 24 agencies for boat insurance in Birmingham. Here is what the local numbers say about the cover people here need.

Birmingham at a glance

24boat insurance agencies listed
54.5%of households rentRenters insurance
$158,800median home valueHome insurance
1965median year homes were builtRebuild cost calculator
12%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Jefferson County

FEMA rates the overall natural hazard risk in Jefferson County, where most Birmingham agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Birmingham
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Birmingham
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Birmingham
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Birmingham agencies work with

Of the 23 Birmingham agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers18 agencies
The Hartford12 agencies
Liberty Mutual10 agencies
Travelers (Standard Fire)10 agencies
Nationwide8 agencies
CNA7 agencies
Mercury7 agencies
Nationwide (Allied)7 agencies
Progressive7 agencies
Safeco7 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Birmingham agencies are

Birmingham agencies we list sit in 12 ZIP codes, mostly in Jefferson County.

352436 agencies
352094 agencies
352163 agencies
352232 agencies
352332 agencies
352031 agency
352051 agency
352101 agency
352221 agency
352261 agency
352421 agency
352441 agency

Questions

Boat insurance in Birmingham

All insurance agencies in Birmingham · Boat insurance across Alabama

Where can I find boat insurance in Birmingham?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does boat insurance cover?

Covers your hull, motor, trailer and liability on the water.

Which insurance companies do Birmingham agencies work with?

Among the 23 Birmingham agencies whose appointments we hold, the companies they are most often appointed with are Travelers (18), The Hartford (12), Liberty Mutual (10), Travelers (Standard Fire) (10), Nationwide (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Birmingham?

FEMA's National Risk Index rates inland flooding risk in Jefferson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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