Texas Boat Insurance
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Boat Insurance Texas

Boat Insurance

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10% of property coverage. Check with your insurance representative to find out if your boat is covered and what the limits are.

For other boats, you will need to purchase separate insurance. The size, type, value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect you and your water vehicle in the event of an accident.

The personal watercraft policy covers:

bodily injury

property damage

guest passenger liability

medical payments

theft
Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.

To prevent boating accidents, we offer these safety suggestions:

Care and protection of vessel

Check weather forecasts before heading out.

Let someone know where you’re going and when you expect to return.

Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks.

Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use.

Equip the vessel with required navigation lights and with a whistle, horn or bell.

Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio.
Care and protection of crew and guests

Make sure that every person on board the boat wears a life-jacket.

Know and obey marine traffic laws, the "Rules-of-the-Road." Learn various distress signals.

Keep an alert lookout for other watercraft, swimmers, floating debris and shallow waters.

Pay attention to loading. Don’t overload; distribute the load evenly; don’t stand up or shift weight suddenly in a small boat; and don’t permit riding on the bow, seatbacks or gunwales.

Don't operate a boat while under the influence of alcohol or drugs.
Skippers can obtain free advice and boating-safety courses from the U.S. Coast Guard Auxiliary. Upon request, the auxiliary will conduct a Courtesy Marine Examination (CME) on your boat, checking electrical and safety equipment and fuel hoses. Boats meeting safety standards are awarded the CME decal "Seal of Safety."

Personal watercrafts have become extremely popular. If you are going to pilot one of these watercrafts, keep the following safety tips in mind:

Know your craft and how it operates.

Know your local boating laws, navigational marks and signs.

Wear a personal flotation device, eye protection, wetsuit and gloves.

Do not operate a vehicle after consuming alcohol or drugs.

Always stay to the right of other water vehicles.

Remember, sailboats, commercial vessels and fishing vessels have the right-of-way.

Get a FREE, Quick & Easy Boat Insurance Quote Texas!

About Austin, Texas:

Austin, Texas, capital of the Lone Star State, has awakened in the past 20 years to an increasingly prominent national and international role. Still relaxed, but no longer just a sleepy college town, the city has almost doubled in population in the past 25 years. During the 1990s, Austin became one of the fastest growing large cities in the United States. Now the 18th largest city in the United States, this "Live Music Capital of the World" and high technology center is a recognized leader in Smart Growth concepts of managing where development should occur so that a city's natural beauty and quality of life are preserved.

Austin has been ranked as "The Best City for Business in North America" by Fortune magazine and also as one of the nation's "Best Places to Live" by Money magazine. Yahoo! Internet Life web magazine ranked Austin as one of the top five "Most Wired Cities" in the United States. The Government Performance Project recently published in Governing magazine "graded" Austin as "A-" Overall among the nation's 35 largest cities. Austin's grades in all five aspects of public service delivery were above the national average, and the City was one of only a handful to receive an "A" in one of the five key areas.

With a river meandering through town and its location on the edge of the Texas Hill Country, Austin cherishes its label as the "Oasis of Texas." Taking pride in its diversity, its tolerance and its Texas roots, Mayor Kirk Watson sums its appeal up this way: "Austin is the only place where boots, suits, old hippies and computer nerds all sit around the same boardroom."

Areas we cover and products we offer:

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