Fishing and Bass Boat Owners
Boats that spend weekends on Calaveras, Braunig and Canyon Lake.
Boat Insurance in Texas
Coverage for fishing boats, ski boats, pontoons and personal watercraft, for weekends on Canyon Lake, Medina Lake, Calaveras, Braunig and the coast.
Who It's For
Ski, Wake and Pontoon Owners
Family boats that carry guests, towables and kids.
Personal Watercraft Owners
Jet skis and other personal watercraft, including ones you lend to friends or family.
Financed Boats and Marina Slips
Boats with a loan or a slip that calls for proof of coverage.
What It Covers
Hull and Motor
Damage to the boat, motor and permanently attached equipment from a collision, fire, theft, storms or sinking.
Liability
Injury to others and damage to other boats, docks and property caused by your boat. Homeowners policies generally do not provide it.
Uninsured Boater
Your injuries when another boater at fault has no insurance or not enough.
Medical Payments
Medical bills for you and your passengers after a boating accident.
Towing and Assistance
On water towing and help when you run out of fuel or break down.
Trailer and Gear
The boat trailer, fishing equipment and personal effects, depending on the policy.
Texas and San Antonio Details
Texas does not require insurance on a personal recreational boat, but lenders and marinas commonly do. A homeowners policy may cover damage to a small boat for a limited dollar amount, and it does not provide liability coverage, so a boat that carries guests or tows skiers usually belongs on its own policy.
Texas Parks and Wildlife Department requires registration for every motorized boat and for sailboats and other vessels 14 feet or longer, plus titles for motorized boats and most gas outboard motors. Anyone born on or after September 1, 1993 must complete a boater education course to run a boat with a motor over 15 horsepower or a windblown vessel over 14 feet. To operate a personal watercraft alone, a person must be at least 13 and have completed the course, and many boat policies also restrict young operators.
Canyon Lake is a U.S. Army Corps of Engineers reservoir with zebra mussels, so clean, drain and dry your boat and trailer before you launch somewhere else. Medina Lake, about 40 miles from San Antonio, can rise or fall as much as 40 feet with rainfall, which changes water depth and ramp access from season to season. Calaveras and Braunig Lakes are owned by CPS Energy and open to boating.
Common Questions
Do You Need Boat Insurance in Texas?
Texas law does not require it for a personal recreational boat. Lenders commonly require it on a financed boat, and many marinas ask for proof of liability coverage before you rent a slip.
Does Homeowners Insurance Cover My Boat?
Most homeowners policies cover damage to a boat for a limited dollar amount and provide no liability coverage. A boat policy covers more expensive boats and pays for injuries and damage you cause to others.
What Is the Difference Between Agreed Value and Actual Cash Value?
Agreed value pays up to a set value written in the policy. Actual cash value pays to repair or replace the boat minus depreciation, and replacement cost pays without that deduction.
Do Jet Skis Need Insurance in Texas?
Texas law does not require it, but a personal watercraft can cause serious injury or damage, so liability is worth a close look, especially when guests ride. Operators born on or after September 1, 1993 need boater education, and a rider must be at least 13 and have completed the course to operate one without an adult on board.
What Is a Layup Period?
A layup provision suspends coverage during the months a boat is not in use. Tell us the months you store the boat so the dates match when you actually take it out. As an independent agency, we can request quotes from more than one insurance company.
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