281-998-2500

Houston Texas Texan Insurance - 281-998-2500

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Boat Insurance

Peace of Mind

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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:

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. Just like considering the assistance of bachelorarbeit schreiben lassen for your academic work, it’s important to weigh the benefits against the cost. On average, boat insurance runs from a few hundred dollars to $1,000 per boat per year, which underscores the importance of evaluating all your options to ensure you’re making a financially sound decision.

Some of the individual factors that impact your premium include:

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:

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. Just as assessing the cost of insurance is crucial for your peace of mind on the water, seeking the help of a ghostwriter for academic works in Austria can be a strategic decision to ensure high-quality submissions. 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:

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.

GET A QUOTE TODAY

FAQ

1. What types of perils can be insured against?

The following perils can typically be covered, but some may require higher levels of coverage like comprehensive insurance:

2. How do I decide if I need comprehensive, collision or property damage liability coverage?

Every situation is different, and our highly trained insurance agents can help you select the right type of coverage for you. We often recommend maintaining all three, because that provides the greatest peace of mind. That said, your specific situation may require a different solution.

3. What is the difference between agreed value and actual cash value reimbursement?

Agreed value reimburses for a set amount in the policy, while actual cash value approximates what the watercraft is currently worth, after considering its condition and depreciation. Actual cash value insurance is often cheaper but consequently provides less coverage.

4. Will using my boat only on inland lakes versus the open sea affect my pricing?

Quite possibly. In many cases lake or freshwater use is cheaper to insure than saltwater use.

5. How do I know that I’m getting the best deal possible on my boat insurance?

Working closely with a Texan Insurance agent is the absolute best way to ensure that you’re getting the best rate and coverage. Because we’re an independent agent, we can shop your coverage across 40+ companies, comparing rates and coverage options.

6. Does my homeowner’s insurance cover my boat?

If your homeowner’s policy does cover your boat, it’s often minimal and limited to a relatively small amount. Liability is nearly never covered. For these reasons we do not recommend relying on your homeowner’s policy to cover your boat.

7. Does boat insurance cover hurricanes or other major weather events?

This coverage depends on the policy, and you can select such coverage. If such factors are a concern where you use your boat or where it’s stored, discuss them with your agent and determine the appropriate level of coverage.

8. Does boat insurance cover collision with inanimate objects like rocks or shorelines?

Comprehensive insurance will protect against these risks.

9. Does boat insurance protect my boat while I’m transporting it to the lake?

It depends. Coverages will vary by policy, and you may need to investigate what your auto insurance covers with respect to towed vehicles. If this coverage is needed, however, it can be incorporated into your boat insurance.

10. What is the billing schedule for boat insurance?

At Texan Insurance, we pride ourselves on offering flexibility to our customers. We can arrange payments annually, twice a year, quarterly, or even monthly. In some cases, you can earn a discount by paying for the year upfront.

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