Boat & Watercraft Insurance
Hull, liability, uninsured boater, and towing coverage for bay boats, offshore vessels, pontoons, and personal watercraft.
Who Needs It
- Gulf, bay, and lake boaters in Texas
- Florida coastal and intracoastal boaters
- PWC and sailboat owners
What It Covers
- Physical damage to hull, motor, and trailer
- Liability for injury and damage to others
- Uninsured boater
- Medical payments
- Towing and assistance
- Personal effects and fishing gear
- Hurricane haul-out reimbursement (FL)
What It Does Not Cover
- Navigation outside the stated territory
- Racing
- Wear and tear and marine life damage where excluded
- Named-storm damage without the haul-out plan where required
Texas Notes
Texas coastal boaters need saltwater navigation limits that match how far offshore they run; lake boats price differently.
Florida Notes
Florida carriers require a hurricane plan for larger vessels and often exclude named-storm damage if the boat is not hauled or secured per the plan.
Boat & Watercraft Insurance Questions We Hear Most
Does my homeowners policy cover my boat?
Only small boats with low horsepower, and liability is limited. Anything with real value or horsepower needs its own policy.
Related Coverage Guides
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Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.