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Boat Insurance Policy in Texas

Boat Insurance policy is an important one. Unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your boat or watercraft.

Our A + rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company.

As an independent agency, The Walls Insurance Agency, Inc. does the hard work for you. We will work with you on a personalized basis to match you with a car insurance policy tailored for your needs and your wallet.

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 about Boat Insurance

  • 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.

CONTACT US

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Call: (512) 647-2338

Call us and we will discuss your insurance needs and create a tailored policy plan with competitive pricing.

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