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Watercraft & Boat Insurance


Watercraft & Boat Insurance Quote Forms

Insurance products by their very nature are highly complex and vary widely between policy types and insurance providers. Let INSUREPOINTE assist you in navigating all the various options of a good risk management strategy. Complete the request below and one of our professionals will contact you to arrange an interview.


Watercraft & Boat Insurance Information

From yachts to personal watercraft, Insurepointe of Texas, Inc. has the expertise and experience to take care of your insurance needs. We understand fresh water or salt water, fishing or pleasure, personal or commercial. We can provide comprehensive coverage at competitive rates through our special watercraft insurance program. Some of the following coverages may carry an additional cost to the final premium. These programs are designed for your specific needs such as:

  • Agreed Values
  • Replacement Costs
  • Actual Cash Values
  • Protection and Indemnity Liability
  • Watercraft Liability
  • Medical Payments
  • Uninsured Boater Coverage
  • Towing Coverage
  • Personal Property Coverage
  • Contamination and Spill Coverage
  • Mechanical Breakdown Coverage
  • Extended Manufacturers Warranty Coverage

Policy Companion Discounts may also be available. For more information or to receive a quote please call, email or request a quote online today!


Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

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 yourself 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.

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