Texas Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance

Boat/Watercraft Insurance

If there is a state that accommodates boaters in the US, it’s Texas. Featuring the Gulf and numerous lakes and rivers, the Lone Star State is a paradise for boating activities. However, whether you are fishing, sailing, or cruising across Texas's many bodies of water, you need proper boat insurance to secure you and your vessel.

If you own a boat, a Jet Ski, or anything in between, you can secure watercraft insurance from McCrary Insurance Agency. This way, you can relax in the waters knowing that you and your boat have optimal coverage.

Is boat insurance required in Texas?

While Texas doesn’t require you to carry boat insurance, if your boat is loan-financed, your lender may require you to have boat insurance as long as the loan facility is outstanding. But whether it’s mandatory or not, you need boat insurance for your prized asset.

Why you should invest in boat insurance

The next time you are pondering whether you need boat insurance, think about the perils surrounding your boat. Ranging from accidents, fire, theft, vandalism, falling objects, and hailstorms, the danger is never far from your boat. That said, you need watercraft insurance for the below reasons.

  • Liability protection: Just like on the roads, accidents can still happen in the water. And if you are at fault, you could be staring at property damages and medical expenses for damages and bodily injuries caused to third parties. However, if you have liability coverage in your boat insurance, you don’t have to worry about third-party losses.
  • Protecting your investment: The comprehensive and collision coverages of your boat insurance covers your boat against perils like accidents, fire, theft, vandalism, hurricanes, and other risks.
  • Medical payments coverage: Covers medical expenses for you and your passengers for injuries sustained in a boating accident.

With over 500,000 registered boats in Texas, the chances of accidents happening are high. As such, you need proper boat insurance to protect you and your water vessel. Whether it’s a sailing boat, fishing boat, Jet Ski, or performance boat, you can purchase boat insurance from McCrary Insurance Agency. Contact us today for a competitive quote.

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