Your guide to
Boat and Watercraft Insurance in Texas
Time on the water should feel relaxed, not uncertain. Our agency helps you understand boat and watercraft insurance, from damage to your boat to liability for the people and property around you.
What it covers
Common boat and watercraft coverages
A boat policy can protect the boat itself, the people aboard and your liability on the water. Options vary by policy and type of watercraft, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Boat and motor
Helps pay to repair or replace your boat, motor and permanently attached equipment after a covered loss, such as a collision, fire or theft.
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Liability
Helps protect you if you are found responsible for injuring someone or damaging property while operating your boat.
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Medical payments
Can help pay medical bills for you and your passengers after a covered boating accident, depending on the policy.
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Personal effects
May cover items you keep on the boat, such as fishing gear, water sports equipment and life jackets, depending on the policy.
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Trailer
Coverage for the trailer you use to haul your boat may be included or added, depending on the policy.
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On-water towing and assistance
Can help pay for towing or assistance if your boat breaks down or runs aground on the water, depending on the policy.
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Why it matters
Your homeowners policy may not be enough on the water
Homeowners policies often provide little or no coverage for boats and personal watercraft, and any coverage may be limited by the boat's size or engine power. A separate boat policy can be built around how and where you use your boat.
Some lenders and marinas may require proof of insurance. Reviewing your coverage before the season starts can help you know what applies to the boat, the trailer and the people aboard.
Before you lend your boat to someone else, check how your policy treats other operators.
Pricing
What can affect your boat insurance rate
The boat
The type, size, age and value of your boat or watercraft can affect the cost to insure it.
Engine and speed
Engine power and top speed may be considered, since faster boats can carry different risks.
Where you use and store it
The waters you boat on and where the boat is kept when not in use can play a role.
Experience and history
Your boating experience and any past claims or violations may be considered.
Coverage choices
Your limits, deductibles and added coverages, such as towing or personal effects, can change the premium.
Answers
Boat and watercraft insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Homeowners policies often provide little or no coverage for boats, especially larger ones or those with more engine power. We can review what your current policy includes.
Personal watercraft can often be insured with a boat and watercraft policy. Coverage options and requirements vary by insurer and type of watercraft.
Trailer coverage may be included or offered as an option, depending on the policy. Ask our agency how your boat and auto policies work together when you tow.
Request a quote
Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.