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Boat/Watercraft Insurance in Texas

With a population of over 25 million, it’s easy to figure out why many registered boats are in Texas. Add the many rivers, lakes, and the ease of access to the Gulf; you can see why many Texas residents have a penchant for water life. But did you know that whether you have a boat, a jet ski, or any other water vessel, boat insurance is critical? Yes, like auto insurance or home insurance, boat insurance protects you from the unexpected.

But how does boat insurance work in Texas? What does it provide coverage against? Want to find out more? Hang on.

Is boat insurance mandatory in Texas?

Unlike auto insurance, no statute in Texas requires you to have boat insurance. However, it’s essential to have boat insurance if you have any form of watercraft for the reasons below.

Why boat insurance is important

While some form of home insurance can extend to your boat, few provide liability coverage. Without liability coverage, you could find yourself dipping into your pocket for damages or injuries caused to others during a boat accident.

Your boat is an investment. As such, it should be protected. Whether it’s a typical accident or damage from Mother Nature, boat insurance protects your investment from sinking.

Types of boat insurance

When you walk into our Boss Insurance Agency, situated in Kingwood, TX, our agents will walk you through the following types of boat insurance.

  • Medical payments: Covers for medical expenses resulting from a boat accident regardless of whether you are at fault or not.
  • Comprehensive and collision cover: Covers against damages resulting from a collision between your boat with another or a stationary object. Also, it protects against vandalism, fire, or theft.
  • Property damage / bodily injury: Covers against bodily injury or property damage involving your boat.

Since we value you and your boat, Boss Insurance Agency, located in Kingwood, TX, should be your go-to agency for your boat insurance needs. We understand that you and your boat are inseparable. As such, when the unexpected happens, we expedite the claim process to make sure you return to your boating activities as soon as possible.