Boat/Watercraft Insurance in Texas

The state of Texas does not require that you have a boat or watercraft insurance policy, but it does require registration on your boat if it has a motor or on a sailboat that is at least 14 feet long with an auxiliary engine.

Who Requires Boat/Watercraft Insurance in Texas?

If you are still paying on your boat, your lender will require you to have insurance, so they can recoup any losses that may happen from accidents or incidents. Most marinas also require proof of insurance to cover themselves in the case of a loss. Your homeowner's policy has minimal liability when it comes to losses that typically include a boat. Many homeowners' policies only cover watercraft under a certain size or value.

What Does Boat/Watercraft Insurance Cover?

Boat insurance in Brownwood, TX and around the state covers collision damage and pays for the repair or replacement of your boat. It can also pay for the cleanup of fuel spills and to clean up the wreckage as well. The property damage liability portion covers damages you cause to someone else's boat, and any property or structures, such as a boat dock. The bodily injury liability from Robnett Integra Insurance Services covers the injuries that you cause to others while using your boat and it pays out to them for medical bills, legal expenses, pain and suffering, and their lost income due to the accident. Comprehensive coverage provides compensation to you if your boat is vandalized, stolen, or damaged due to anything other than a collision.

You can also add additional insurance to cover your expensive boating equipment such as a fish finder, fishing poles, skiing equipment, your personal property in the boat, and roadside assistance. In addition, underinsured and uninsured coverage will protect you and your boat in case of an accident when the other party has either no insurance or not enough insurance to cover your losses.

We at Robnett Integra Insurance Services in Brownwood, TX understand that boating insurance can be difficult to understand, and we are here for you. You can come by the office or give us a call, and we will help you to navigate the waters of acquiring a boat and watercraft insurance quote.