Boat/Watercraft Insurance
If you are looking for ways to make your time more enjoyable while on your boat, consider an insurance policy from TexStar Insurance Services. We will get you the right policy to protect yourself, your family, and your friends. We will also customize your policy so your watercraft remains protected in the event of an accident.
Boat/Watercraft Insurance Requirements
Boat insurance is not required in Texas. However, if you are thinking about financing your boat, your lender may require you to obtain insurance. Additionally, if you keep your boat at a marina, they may also require you to show proof of insurance.
Boat/Watercraft Insurance Coverage
Here are various coverage options you can choose from to protect yourself and your boat:
- Liability- This provides coverage to other boat owners and boats if you cause an accident while on the water. This will pay to repair or replace the other person’s boat and their lost wages, medical costs, and other expenses resulting from the accident.
- Physical damage- This coverage will cover any costs related to repairing or replacing your boat, the motor, or any other permanently attached equipment if it becomes damaged or stolen.
- Personal effects- This will provide coverage for your jewelry, cell phones, clothing, and other personal items you keep on your boat if they become damaged or stolen.
- Uninsured/underinsured- This is similar to auto insurance. It will cover your medical expenses and lost wages if another boater damages your boat or injures you without enough insurance.
- Unattached equipment- This covers any item not permanently attached to your boat, including water skis, oars, fire extinguishers, tarps, etc.
Quotes
To obtain a quote for boat insurance, give us a call here at TexStar Insurance Services. We serve all residents within the state of Texas.