Boat insurance in Texas is absolutely necessary no matter where the boat is. Your boat may not sit on the water all year, but your must carry insurance for the boat in case of an emergency. You are bound by law in the state of Texas to have insurance for every watercraft you own. Your boat or Jet Ski must have an insurance policy that will provide for you in the event of a crash or loss. Boat insurance in Texas comes from the same agents who write your auto and home policies, but the policies must be specific to each craft. Coverage for your craft cannot exceed the craft’s value, and you must ask your insurance agent to advise you on the type of policy that is needed for each vehicle.
From the marinas at Corpus Christi to the shore of Lake Texoma, boat owners are all over Texas and are faced with a variety of insurance options. There is a lot to keep in mind when looking for the right policy for your needs. Some things that you should consider are:
Here are some pointers from the Texas Department of Insurance: