Boat/Watercraft Insurance in Texas

Galveston Bay and Clear Lake put some of the best boating in Texas within a short drive of Friendswood, and that means a lot of local families own something that floats, from a fishing boat to a jet ski to a pontoon for weekends on the water.

Your homeowners policy probably will not cover it. Most homeowners policies only extend limited coverage to small boats with modest engines, and many exclude personal watercraft like jet skis entirely. Anything larger, faster, or used away from your own dock usually needs its own boat insurance policy.

What Boat and Watercraft Insurance Covers in Friendswood, TX

• Physical damage coverage for your hull, motor, and trailer
• Liability coverage if you injure someone or damage property while operating your boat
• Uninsured boater coverage for accidents caused by an at-fault boater without insurance
• Medical payments coverage for you and your passengers
• Towing and wreck removal if your boat breaks down or sinks on the water

Choosing Between Agreed Value and Actual Cash Value

Agreed value policies pay a set amount if your boat is a total loss, with no deduction for depreciation, while actual cash value policies pay based on your boat's depreciated worth at the time of the claim. Agreed value coverage costs more but avoids surprises after a serious accident or theft, which matters if you have a newer or higher-value boat.

Bundle your boat policy with your auto or home insurance through our agency, and you may qualify for a multi-policy discount along with savings for completing a boating safety course.