Texas Boat & Watercraft Insurance Made Simple
From quiet mornings on Lake Travis to action-packed afternoons on the Gulf Coast, boating is a favorite Texas pastime for families and adventure-seekers alike. Whether you're fishing with your kids, pulling a wakeboarder, or just cruising to relax, your boat is a big part of how you unwind and spend quality time together.
At Rollo Insurance, we get it. The time you spend on the water matters, and so does keeping it protected. We’re here to help you choose the right coverage so you can focus on fun and let go of the worry.
The Basics: What Does Boat Insurance Cover?
A strong boat insurance policy typically includes both required and optional protections tailored to your boat’s value and how you use it.
Essential Coverages:
- Physical Damage (Hull & Equipment): Covers repairs or replacement if your boat is damaged by collision, fire, storms, theft, or vandalism.
- Liability (Protection & Indemnity): Helps with costs if your boat injures someone or damages another vessel or property. This can include legal fees, medical bills, or settlements.
- Medical Payments: Provides coverage for medical expenses for you and your passengers if there’s an accident on board, regardless of who is at fault.
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Optional Add-Ons Worth Considering
- Uninsured/Underinsured Boater: Helps cover expenses if you're injured by someone who lacks proper insurance.
- Trailer Coverage: Protects your boat trailer from damage or theft.
- Personal Effects: Covers gear and belongings on board, including fishing equipment, electronics, and clothing.
- Towing & Assistance: Pays for help if your boat breaks down on the water.
- Wreck Removal: Helps cover the cost of removing a sunken or disabled boat.
- Increased Liability Limits: Offers extra protection if you want higher coverage than the standard policy provides.
- Hurricane Haul-Out: Especially useful along the coast, this helps pay to move your boat to safety before a named storm.
Do You Have to Have Boat Insurance in Texas?
Texas doesn’t require boat insurance for most recreational owners, but that doesn’t mean it’s optional in every situation.
- Marinas: Many marinas ask for liability insurance before you can dock your boat.
- Loans: If your boat is financed, your lender will usually require full coverage to protect their investment.
- Certain Locations and Events: Some lakes or organized events may require proof of insurance.
Even when it’s not mandatory, having the right insurance can be a game-changer. A serious accident or costly repair could set you back more than you expect. Coverage helps protect your finances, your passengers, and your peace of mind.
Different Boats, Different Needs
Not all boats or boaters are the same. Your insurance should reflect how you hit the water.
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- Type of Boat: A Jet Ski or fishing skiff comes with different risks than a sailboat or cabin cruiser.
- Size and Value: Larger or high-end boats usually require higher coverage limits.
- Horsepower: Faster, more powerful boats can carry greater risks and may affect your premium.
- Use Case: Whether you're cruising, tubing, or fishing, how you use your boat shapes the type of protection you’ll want.
- Where You Boat: Saltwater, lakes, and rivers each come with their own considerations.
- Storage: Whether you keep it in dry dock, at home, or in a marina can influence your coverage needs.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Rollo Insurance is Here When You Need Us
Boating is about spending time with the people you care about, not second-guessing what could go wrong. Whether you’re new to boating or have years of experience on the water, we’ll help you find a policy that fits your lifestyle and the way you use your boat. Let’s make sure your time on the water stays smooth. Reach out today to talk through your options.
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