Boat & Watercraft Insurance
Texas has thousands of miles of lakes, rivers, and coastline, and boaters in every one of them. Whether you fish Lake Fork, pull skiers on Lake Travis, or run offshore from Galveston, we'll build a policy around your boat and how you use it.
Coverage for your boat on and off the water
A boat policy protects the vessel, the motor, the trailer, and your liability while you're out on the water. Coverage options vary widely by carrier, so the details matter.
Agreed value vs. actual cash value
This is the most important choice on a boat policy. With an agreed value policy, you and the carrier settle on the boat's value when the policy is written, and that's what you're paid for a total loss, less your deductible. With actual cash value, the payout is based on the boat's depreciated value at the time of the loss, which can be far less than what you paid. Agreed value typically costs more, but you'll know ahead of time what a total loss would pay.
Why your homeowners policy isn't enough
Most homeowners policies cover only small boats with limited horsepower, and only up to a low dollar amount, often around $1,000. Coverage on the water and liability for larger motorized boats and personal watercraft are typically excluded. If you own anything bigger than a kayak or a jon boat, you likely need a dedicated policy.
Coastal boats and hurricane season
Boats kept on the Texas coast often carry a separate named storm deductible. Some carriers require a written hurricane plan, and some help pay to haul out or move your boat ahead of a storm. Your navigation limits, slip location, and storage method all affect coverage and price.
What we insure
- ✓ Freshwater boats: bass boats, ski and wake boats, pontoons, deck boats, and fishing boats.
- ✓ Saltwater boats: bay boats, center consoles, and offshore fishing boats.
- ✓ Personal watercraft: jet skis, WaveRunners, and other PWCs.
- ✓ Sailboats and larger vessels: cruising sailboats and yachts, subject to carrier eligibility and survey requirements.
Get your boat covered before your next trip out
Whether you're buying a new boat or reviewing a policy you've had for years, we'll make sure your coverage matches how you actually use it.
Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. Watercraft eligibility, navigation limits, valuation options, and named storm provisions vary by carrier. Boat registration and boater education requirements are set by Texas Parks and Wildlife Department. All coverages are subject to policy terms, conditions, and underwriting approval.