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Texas Boat Insurance

Texas Boat Insurance

If you own a pontoon, center console, or another type of watercraft, get personalized Texas boat insurance and affordabe protection for you and your boat, on and off the water.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Texas Boat Insurance Made Simple

Texas boaters split time between the Gulf, bays, and big lakes—Galveston to Corpus Christi, Conroe to Travis. With busy ramps, coastal weather, and miles of trailer time, the right protection matters.

A dock scrape. A shallow-flat prop strike. A theft from the driveway.

At IronPoint Insurance Services, we make Texas Boat Insurance easy to understand and easy to buy. Fast quotes. Smart coverage. Personal advice.

Know What Your Texas Boat Insurance Covers

On the water (and on the road), you don’t want surprises.

Here’s what a solid Texas boat policy typically includes:

Coverage Type

What’s Covered

Typical Details

Physical Damage (Hull)

Repair or replacement of your boat, motor, and trailer

Open-peril protection for collision, theft, vandalism, and sudden wind/storm damage

Liability

Injury or property damage you cause to others

Essential for collisions with other boats, docks, or structures

Medical Payments

Medical bills for you and your passengers

Pays regardless of fault

Uninsured/Underinsured Boater

Injuries caused by an uninsured or underinsured boater

Extra protection when others aren’t covered

Towing & Assistance

Help when you’re stranded

On-water towing, fuel delivery, jump starts, and minor repairs

Coverage for real Texas boat days—calm mornings, choppy afternoons, and the highway home.

Special Risks Texas Boat Owners Should Know

Boating in Texas brings variety—and a few unique exposures.

  • Gulf weather & surge: Coastal storms can develop quickly; secure storage and storm plans matter.
  • Saltwater corrosion: Bays and ICW use demand diligent maintenance; wear and tear isn’t covered.
  • Shallow flats & rock/shell strikes: Changing tides and shorelines can damage props, lower units, and hulls.
  • Marina & driveway theft: Outboards, electronics, and trailers are common targets—document your gear.
  • Heavy traffic: Popular lakes and busy ramps increase fender-bender and liability risk.

Smart coverage protects the boat—and the way you actually use it, salt or fresh.

Other Protection Options to Consider

No two boats—or boaters—are the same. Many owners add:

  • Agreed Value Coverage: Locks in your boat’s value—no depreciation on a total loss.
  • Fishing Equipment & Electronics: Extra limits for graphs, trolling motors, Power-Poles, and safety gear.
  • Personal Effects: Coverage for phones, cameras, coolers, and clothing while aboard.
  • Trailer Coverage: Protects the trailer itself from damage or theft.
  • Watersports Liability: Added protection for tubing, skiing, and wake sports.
  • Hurricane Haul-Out: Reimburses a portion of the cost to move or secure your boat ahead of a named storm (where offered).

Build the policy around your hull, your waters, and your gear.

Texas Boating Laws and Insurance Tips

Texas doesn’t mandate boat insurance, but many marinas and lenders do. Keep these in mind:

  • Registration is required for most motorized vessels and certain sailboats.
  • Boater education is required for some operators; a safety card can also help with discounts.
  • Life jackets: Children must wear USCG-approved PFDs while underway; carry one for every person aboard.
  • Homeowners policies offer limited boat coverage and may exclude on-water liability—consider a dedicated policy.

Insurance isn’t just paperwork—it’s how you get back on the water after a bad day.

How to Save on Texas Boat Insurance

Protection doesn’t have to be pricey. You can often save by:

  • Completing an approved boating safety course.
  • Bundling your boat and auto insurance.
  • Using secure storage, alarms, engine locks, and GPS tracking.
  • Maintaining a storm plan (storage, tie-downs, haul-out options).
  • Choosing sensible deductibles and keeping a clean claims record.

The safer your habits, the better your price.

Why Choose IronPoint for Your Texas Boat Insurance?

You don’t just need any policy—you need the right one.

At IronPoint Insurance Services, we:

  • Work with top-rated marine insurers.
  • Understand Texas waters—from bays and passes to big inland lakes.
  • Offer personal advice—not one-size-fits-all coverage.

Get a policy built for Texas boaters, from people who know the water and the road to it.

Get a Texas Boat Insurance Quote

Compare Texas boat insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Texas Boat Insurance FAQs

Is boat insurance required in Texas?
Texas doesn’t require boat liability insurance by law, but many marinas and lenders do. Most owners carry at least liability to protect against injuries or damage to others.
Does my Texas homeowners insurance cover my boat?
Texas Home policies typically provide limited coverage (often capped by length, horsepower, or value) and may exclude on-water liability. A dedicated Texas Boat Insurance policy offers broader protection.
Am I covered in both saltwater and freshwater?
Yes—policies usually cover approved waters you navigate, whether that’s the Gulf, bays, or inland lakes. Keep in mind corrosion and wear are excluded; some carriers rate separately for saltwater use.
Are hurricanes and named storms covered?
Wind and storm damage is generally covered if you buy physical damage (hull) coverage, subject to your deductible. Some carriers may apply special wind or named-storm deductibles or offer hurricane haul-out benefits—ask what applies to your policy.
Am I covered while towing my boat?
Your Texas auto policy typically covers liability for damage you cause while towing. Physical damage to the boat or trailer is handled by your boat policy if you’ve added hull/trailer coverage.
What’s the difference between Agreed Value and Actual Cash Value?
Agreed Value pays a preset amount on a total loss (no depreciation). Actual Cash Value factors in depreciation—often cheaper, but typically pays less on older boats.
What affects the price of Texas boat insurance?
Boat type, value, and horsepower; operator experience and claims history; storage and anti-theft measures; safety course completion; chosen limits and deductibles—all influence your rate.