In Texas, the pontoon boat reigns supreme as the ultimate social cruiser. They are basically floating living rooms, and that is exactly why they deserve a closer look when it comes to insurance. A standard homeowners policy or a basic boat policy often falls short for how pontoons are actually used.
The Big Group Liability Factor
The best thing about a pontoon is how many people it can carry. A runabout feels full with six passengers, but a large pontoon or tritoon can comfortably host a dozen or more.
More people naturally means more opportunities for something to go wrong. It only takes one slip or awkward step for someone to get hurt while boarding or moving around.
If an accident happens and you are found responsible, medical bills for multiple guests can add up fast. Lower liability limits disappear quicker than you would expect. A dedicated pontoon policy lets you choose bodily injury liability limits that actually reflect how many people you typically have on board.
Coverage That Goes Beyond the Hull
Pontoon insurance is not just about the boat itself. It is about how the boat is used.
Water Sports Coverage
Many pontoon owners love tubing, kneeboarding, and other tow sports. Not every boat policy automatically covers injuries that happen while someone is being towed.
Make sure your policy includes water sports liability. If someone gets hurt while tubing behind your pontoon, this coverage helps protect you from paying out of pocket.
Total Loss Protection for Tritoons
Modern tritoons are impressive machines, and they are priced like it. It is not uncommon for a well-equipped tritoon to cost as much as a luxury SUV.
Actual cash value coverage factors in depreciation, which means you may get far less than you expect after a total loss. Agreed-value coverage is often a better fit. If your tritoon is destroyed by a storm or fire, the insurance company pays the value you agreed on when the policy started.
Personal Gear and Furniture
Pontoons tend to be packed with the good stuff. Sound systems, fishing gear, upgraded seating, and electronics all add up quickly.
A standard hull policy usually covers the boat and motor only. Personal effects coverage helps protect the gear that turns your pontoon into everyone’s favorite gathering spot.
Pro Tips for Pontoon Owners
Good safety habits often lead to better insurance rates, too.
Spread the weight evenly across the boat. Pontoons are stable, but too much weight up front can cause the nose to dip into a large wake. Keep passengers distributed to avoid taking on water.
Take care of your Bimini top and upholstery. Texas sun is tough on fabric and vinyl. Check your policy to see what is covered when it comes to wear, sun damage, or mechanical issues.
Consider taking a boater safety course. Even if you are not required to by Texas law, many insurance carriers offer discounts of 10 to 15 percent for completing an approved course.
Why Work With Rollo Insurance?
Your pontoon is more than a boat. It is where your family laughs, relaxes, and makes memories. We help you find coverage that fits your lifestyle, and we can bundle your boat, home, and auto insurance to unlock valuable multi-policy discounts while keeping your protection solid.
If you are ready to protect your summer fun, reach out to Rollo Insurance for a quick pontoon insurance quote. We will help make sure you are covered before you leave the dock.
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