Boat/Watercraft Insurance

Protect your Boat with Insurance Coverage

Boat insurance is a policy intended to safeguard motorboats, watercraft, sailboats, and owners from financial losses in the event of damages or theft. The insurance can also aid in protecting you if your boat accidentally hurts someone or destroys property.

At Outdoor Insurance Services in The Woodlands, TX, we value your wellbeing physically, emotionally, and financially. We provide boat/watercraft insurance policies to Texas residents.

Property coverage

This covers your boat from risks that can be a result of damage from an accident. The policy will help you repair the boat and replace it when stolen. The policy covers the boat on the water and land. However, speak to your agent if you don't need both.

Most homeowners think that their home coverage includes their vessel. However, it does not, and if it does, which is rare, it is only limited to small power boats, canoes, and small boats. As such, it is paramount to have separate watercraft insurance to protect you and your property from risk on Texas waters.

Liability coverage

In case you cause an accident and damage someone's property or injure other, liability coverage can pay for damages. The coverage also includes legal fees in case you get sued.

Medical payments coverage

Medical payment coverage can help clear all related medical bills in case you or your passengers get injured in your boat.

Uninsured watercraft coverage

If you are involved in an accident with an insured boater and your crew, and people on board get injured, this coverage helps pay for damages and medical expenses. Some boaters are typically uninsured or under-insured.

It's worth considering whether your watercraft and boat insurance offers protection that fits your needs. Speak with an agent about covering other components such as boat trailers, towing coverage, accessories, and special equipment. You can even go ahead and inquire about the cost of fuel spills and wreckage removal.

As you plan to enjoy your day on the water, accidents may occur. Without insurance coverage, you can end up digging deep into your own pockets. Visit Outdoor Insurance Services in the Woodlands, TX to speak with our agents.

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