Watercraft Insurance

When you plan to spend a day on the water, the last thing you expect to happen is an accident. But they do occur, and without watercraft insurance, you could end up paying out of pocket for damages caused by an accident involving your boat or personal watercraft.

Types of watercraft covered:

• Bass boats
• Cruiser/Yachts
• Houseboats
• Kayak/Canoes
• Jet Skis
• Sailboats
• Sport boats

Coverages

• Property Coverage
  Covers damage to your watercraft in the event of an accident including repairs and theft replacements regardless on land or water.
• Liability Coverage
  Covers bodily injury or property damage of an individual not on your watercraft in the event of an accident in which you caused. This includes medical expenses, loss of wages, repairs or replacements of property and fuel spill cleanups.
• Medical Payments Coverage
  Helps cover medical expenses resulting from an accident in which injury occurred to you or your passengers.
• Uninsured Watercraft Coverage
  Helps cover medical expenses for yourself or passengers in the event that an uninsured watercraft collides with you causing injury.

Other Optional Coverages

• Boat Trailer Coverage
  Covers damage to your trailer resulting from an accident or other unforeseen incident.
• Additional Boat Equipment
  Covers boat accessories such as anchors, life jackets, and navigation gear up to the policy limits.
• Personal Effects Coverage
  Covers fishing equipment and other personal belongings if damages, lost or stolen.
• Emergency Services
  Helps cover costs for towing and delivering of fuel, oil or battery in the event your boat or watercraft breaks down.
• Agreed Value Option
  When you're reimbursed for your boat's value, you'll be reimbursed for what it was worth at the start of the policy regardless of the current market value.

Helpful links for your next boating or fishing trip:

Stay within safety regulations of the State of Texas with your watercraft and make sure you have the right titles and registration in place here.

Find out both where to fish and boat throughout the U.S at the Take Me Fishing interactive map.

Call us today to find out more about discounts and how we can keep you protected while you continue to have fun on the water!

What to do if you are involved in an Accident

Stay Calm (Assess the injuries or damage, get medical assistance)
Call the police to file a report (This is very important to help determine fault or no fault.)
Limit the discussion of the accident (Let the facts determine fault/no-fault)
Get the facts and details of the accident:

• Date & Time
• Location
• Name of other driver
• Phone number
• Address, City, State, & Zip
• Insurance Company & Agent
• Policy number
• Gap Coverages
• Name of witness & contact information
  

Report the incident to our agency