Boat/Watercraft Insurance in Texas

Do you need boat insurance?

Insurance policies for watercraft in Texas are more than just a card. At DGIA - Daniel Gutschewski Insurance Agency, we have various watercraft insurance options, such as boat and yachts. Boatowner policies cover boats less than 26 feet, and yacht policies provide coverage for expensive larger-in-size watercraft. The appropriate policy for each person is different, and our agents at DGIA - Daniel Gutschewski Insurance Agency will strive to ensure you have sufficient coverage to provide for physical damage, liability, and medical payments without over-insuring.

Remember, life is unpredictable on land and even more so on the water. So, by preparing for all the eventualities and ensuring you understand how the boating policy and limits work, you will be able to relax and enjoy being the captain of your boat without worrying about expenses if something goes wrong.

What is covered by Boat and Yacht Policies in Texas?

Physical damage: This coverage allows for repairing or replacing your boat, inboard and outboard motors, and the boat’s trailer to ensure that your hard-earned cash does not sink with your boat because of hazards like fires, storms, collisions, and lightning that can damage your investment in an instant.
Liability: If you accidentally collide with another watercraft, any damage you may be responsible for will be covered by your policy. Similarly, if anything happens on board that results in personal injury to you or your guests, the policy will cover any damages claimed against you in such an accident.
Medical payments: The policy will cover your medical and funeral expenses caused by a boating accident. The coverage is limited up to a specified amount. (usually, $1000, unless otherwise arranged).
Personal property: The policy may include coverage for some personal property, but personal effects are not covered.

To discuss your individual boating insurance needs, contact our agency, DGIA - Daniel Gutschewski Insurance Agency in Round Rock, TX, and allow our helpful agents to advise your choices.