Boat Insurance From a Local, Independent Advisor
From Lake Ray Roberts and Lewisville Lake to Grapevine Lake and Lake Texoma, North Texas offers some of the best boating in the state. Trailmark Insurance Advisors compares boat insurance for pontoons, bass and fishing boats, ski and wake boats, cabin cruisers, sailboats and personal watercraft like jet skis.
Homeowners policies typically offer very little coverage for boats, especially once they're on the water. A dedicated boat policy protects your boat, your passengers and your liability.
What Boat Insurance Covers
Physical damage
Covers your hull, motor and equipment against accidents, storms, fire and theft.
Boating liability
Protects you if you injure someone or damage another boat or dock.
Uninsured boater
Protects you and your passengers when an uninsured boater causes an accident.
Medical payments
Helps pay medical bills for you and your passengers.
On-water towing and assistance
Help when you run out of fuel, break down or run aground.
Trailer coverage
Protects the trailer you use to haul your boat.
Personal effects and fishing equipment
Covers gear you keep on board.
Fuel spill liability
Covers cleanup costs required after an accidental fuel spill.
Boating in North Texas
Busy summer weekends, sudden storms and submerged hazards when lake levels change all add risk on Texas lakes. Liability coverage protects you if you injure someone or damage another boat or dock, and uninsured boater coverage protects you from the boaters who carry little or no insurance.
Ways to Save on Boat Insurance
- Completing a boating safety course
- Bundling boat, auto and home insurance
- A claims-free history
- Lay-up options for the off-season
- Experience operating a boat
Boat Insurance FAQs
Does homeowners insurance cover my boat?
Homeowners policies usually provide only limited coverage for small boats and often exclude liability on the water entirely. A separate boat policy is the safest way to protect your boat and your liability.
Is boat insurance required in Texas?
Texas law doesn't require boat insurance, but lenders usually require it if you finance a boat, and many marinas require liability coverage to rent a slip.
Do you insure jet skis and personal watercraft?
Yes. We can quote personal watercraft such as jet skis and WaveRunners, along with the trailer you tow them on.
