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Peace of Mind On the Water

Texas has the 6th most registered boats in the United States at over 600,000 in 2016. At Texan Insurance, we make it easy for you to get the coverage you need to stay protected no matter where you go.

What does Boat Insurance protect?

Boat insurance protects your boat, everyone riding in it, and the risk of injury to others from covered claims. Boat insurance has many of the same coverages as an auto insurance policy. Some of the more common coverages include:

Liability Insurance: Like auto or motorcycle insurance, this part of boat insurance covers your obligations to others resulting from an accident and can be subdivided as follows:

Property Damage Liability – This is the maximum amount that your policy will pay for damage to the property of others, either another boat or other property, such as a dock or waterfront home. Typical limits for this coverage range from $25,000 up to $100,000.

Bodily Injury Liability – This coverage will pay for injuries suffered by others by accidents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire accident.

Collision Insurance: Collision coverage provides for the repair or replacement of your boat after an accident. You may require additional coverage for the cost of cleaning up wreckage.

Comprehensive Insurance – Optional comprehensive coverage provides protection in the event of theft, vandalism, weather events, or other events outside of collisions.

Is Boat Insurance Required in Texas?

Unlike other motor vehicles, Texas law does not require boat insurance. It is highly recommended, however, as the cost of one accident can easily outweigh the cost of even a few years of boat insurance. Some marinas or boat docks may also require insurance, so it’s important to understand the requirements of such agreements.

What types of boats can be covered?

We can help you protect boats in all shapes, sizes, and ages. Here are just a few examples of boats we can help you with:

  • Fishing boats
  • Cabin cruisers
  • Pontoon boats
  • Sailboats
  • Runabouts
  • Many more!



How much is Boat Insurance in Texas?

The cost of boat insurance begins with the types of coverage you purchase, such as liability, collision, and/or comprehensive.  Additional coverages will add to the overall premium. On average, boat insurance runs from a few hundred dollars to $1,000 per boat per year.

Some of the individual factors that impact your premium include:

  • The value of your boat(s)
  • Usage – occasional fishing usage costs less to cover than does water skiing or wake boarding, and inland lake use is often cheaper than boating on the open seas
  • Prior claim record
  • Boating record (past accidents or citations)
  • Boat horsepower – the more powerful the boat, the costlier the insurance, generally speaking

How can I Save on Boat Insurance?

Working with your Texan Insurance agent can help maximize the savings you can receive on your boat policy. Some of the discounts we offer include:

  1. Original Owner of boat
  2. Safety Course
  3. Claims Free History
  4. Paid in Full Discount
  5. Multi-policy discount

How Much Boat Insurance Do I Need?

Determining the right amount of coverage requires considering your specific situation, like the value of your boat(s), the ages of the boat operators, your claim history, and how often the boat is used.

The type of watercraft and activity will also have an impact, as casual fishing is cheaper to insure than jet skiing, water skiing, and wakeboarding. You want to make sure that your coverage amounts will protect you in the case of accidents or other incidents that are commonplace for your boating activity.

What Additional Coverages should I Consider for my Boat?

In addition to liability, collision, and comprehensive coverage, it’s worthwhile to consider some optional extras when purchasing boat insurance such as:

  • Wreckage Removal
  • Water Towing
  • Roadside Assistance
  • Water Sports Coverage
  • Fuel Spills
  • Fishing Equipment

Selecting the Right Boat Insurance

To ensure that you have the peace of mind to enjoy your time on the water, it’s important to make sure you have the right insurance in place.

We will take the time to review all your options with you to ensure you are properly protected. We’re here to help, so call us at 281-998-2500 or click below to get started!

Call us at 281-998-2500 for immediate assistance or get a quote online to find out how we can get you protected.



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