Why do I need boat insurance in Brownwood, TX

Owning a boat in Brownwood, TX is a dream come true. Texas has a lot of registered boats. Only five states in the United States have more boats. With almost 600,000, you are not going to be alone on the seas, lakes, rivers, and ponds in Texas. Boat insurance is not required by law, and you may think that your homeowners or auto insurance will cover you, but it is not guaranteed. It is something that you need to discuss with the professionals at Robnett Integra Insurance Services. 

According to the Texas Department of Insurance, your homeowner’s insurance will offer minimal coverage of damage to your boat. You need to check what that amount is and measure it to the value of your boat. If you don’t own a home and have home insurance, then it is necessary to consider purchasing boat insurance, and even if you do have limited coverage, you need to upgrade to full boat coverage for several reasons. 

Boat insurance covers most of the things that auto insurance covers. To protect you and your assets, you need liability coverage. This will pay for damage to another boat, a dock, or other items that may be damaged by your boat. It will pay for medical expenses if someone is injured. It can also help in the event that legal action is taken against you because of the accident. 

Collision and comprehensive coverage will pay for damage to your boat by covered hazards. You need to decide if you want to have agreed value, the actual value, or replacement cost. All of these are different amounts. 

Having a boat can offer hours of enjoyment. In Brownwood, TX, Robnett Integra Insurance Services can help you to protect your boat and yourself in the event something goes wrong. Stop by our office or give us a call for a no-obligation quote.