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Affordable Texas Boat & Personal Watercraft Insurance

Texas Discount Boat Insurance

ABC insurance Services offers a wide range of coverage options and discounts on boat insurance in Texas. If you already have insurance on your Texas boat, now is the time to consider looking at better coverage and cheaper prices. If you are shopping for a new boat, we would be glad to give you a quote even if you haven’t signed the paperwork yet.

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ABC Insurance Services’ privacy policy will keep your information secure, and there is no risk, obligation, or cost involved in talking with us. The Texas Gulf Coast enjoys warm weather nearly year-round which gives Texas boat owners a lot of time for activity on the water. We strongly recommend all Texas boat owners invest in boat insurance to protect their investment. Accidents can happen at any time, and inclement weather – especially during hurricane season – can arise suddenly on the Gulf Coast as well as even the most tranquil of Texas lakes. Our Texas Boat Insurance rates are extremely competitive and we also offer numerous types of discounts, one or more of which almost every Texas Auto and Home Insurance customer qualifies for. The following explains some of the many coverage options offered by the Texas boat policies we provide. Each policy we write may include any or all of the coverage, depending on your personal choice and our professional recommendation for your protection.

Boat & Marine Insurance

Boat or Marine insurance is available for:

  • small boats
  • yachts
  • high-performance powerboats
  • live-aboard houseboats
  • catamarans
  • pontoons

Marine insurance will cover intended use, including: personal recreation, commercial, or charter vessels.

Boat policies can cover damages to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier, and damages to the boat itself (sometime called hull coverage).

Availability varies by state and by individual insurance company. Even though boat insurance premiums are low, shopping your rate can save a substantial amount of money.

Personal Watercraft Insurance

Personal watercrafts – such as Jet-Skis, WaveRunners, and Sea-Doos – are often our customers’ introduction into the boating world. Personal watercrafts are extremely invigorating and fun for water lovers of all ages; however, they are not toys and should be respected as such. Whether a first time boater or an experienced captain, it is important that you have proper coverage for these vessels. ABC Insurance Services has policies that are designed specifically for your personal watercraft. Likewise, because of our expertise in this area, we also have the ability to provide commercial marine insurance coverage for companies that rent these personal watercrafts.

Physical Damage Coverage

Physical damage coverage protects your boat at home, on the water and anywhere in-between, regardless of where you reside in Texas. By adding this feature to your boat insurance policy, you boat and personal watercraft is protected in storage, during transport, and of course out on the water.

ABC’s Texas boat insurance policies offer coverage options for damage from fire, lighting, theft, vandalism, and even explosions.

If you strike submerged object in shallow water, your Texas boat insurance policy can cover the cost of repair. We will even cover damages caused when someone else is driving the boat, provided they are an authorized user per the terms of your policy.

Texas boat insurance policies can also protect your equipment on the boat.

As an Independent Texas insurance agency, we offer our clients multiple choices when it comes to selecting the premiums for their boat insurance in Texas, and we provide additional options on repair costs on partial losses at a limited additional premium.

Watercraft Liability Coverage

Every Texas boat insurance policy should include sufficient protection against incidents that involve collision with other boats, other people, or docking areas.

There are three main areas in which this coverage protects you.

  1. Personal liability protection in the event of an accident. If you or someone in your household causes injury to another person during the course of a boating accident, this coverage protects you from liability within your policy limits.
  2. Medical payments coverage. If you are someone in your boat are injured, boat insurance in Texas can cover medical expenses within policy limits. This coverage extends to water-skiers pulled behind the boat and passengers swimming around the boat who may be struck by it.
  3. Property damage liability. This covers damage you cause to others property while operating your watercraft.

Added Policy Features

Boat insurance in Texas can cover emergency services and personal belongings within the boat.

Personal Watercraft coverage can also be added to your Texas boat insurance policy.

Every quote from ABC Insurance Services is fast, secure, and risk free.

Uninsured Boater Coverage – Texas Boat Insurance can cover the insured (you and the occupants of your boat) for bodily injury caused by a hit-and-run boat driver or an at-fault boat driver who has no boat liability insurance. This is not a required coverage for a Texas Boat Insurance policy.

The value of quality Texas boat insurance often doesn’t become apparent until you really need it.

Whether it’s a minor dent or a more substantial accident, it pays to have Texas boat insurance coverage you can count on. Let an experienced ABC Texas Boat Insurance Specialist explain the different Liability Limits, Comprehensive, Collision, Medical, Uninsured Boater coverage, and deductibles that are available for you to choose from.