Boat Insurance
Coverage for your boat, personal watercraft, or center console — whether you're on Lake Conroe, Clear Lake, Lake Travis, Lake Texoma, or the Gulf.
Coverage highlights
- Physical damage coverage for your boat and motor
- Liability coverage if you injure someone or damage property on the water
- Coverage for personal watercraft (jet skis) in addition to boats
- Towing and emergency assistance on the water
- Options for seasonal or year-round coverage
Why it matters here
Whether you're trailering to Lake Conroe on weekends, keeping a boat near Clear Lake, or out on Lake Travis or Lake Texoma, Texas's mix of Gulf Coast humidity, inland lake traffic, and storm exposure makes the right coverage worth getting right — including hurricane-season considerations for coastal boaters.
FAQ
Does my homeowners policy cover my boat?
Usually only minimally, if at all — most homeowners policies cap boat coverage at a low dollar amount or exclude larger/faster boats entirely. A dedicated boat policy fills that gap.
Do I need boat insurance in Texas?
Texas doesn't require it by law for most private boats, but marinas, lenders, and common sense usually do — especially for anything with a loan or significant value.
Does boat insurance cover hurricane season?
Many policies include storm-haul-out or hurricane-preparation provisions — we'll walk you through what your specific policy covers before storm season.