Boat Insurance

The Houston boat insurance market is large because of a huge population near the gulf and lake areas. Several different types of coverage�s are available and most insurance companies will allow you to select a package to fit your needs.

The most important coverage is liability. This would pay for injury to other people and or their property up to the policy limits. The liability coverage may also include pollution coverage if your boat suddenly discharges a pollutant into the water. You will probably have several levels of limits to choose from. I suggest a high limit for this type of policy and the cost to upgrade to a high level is usually small.

Most policies will offer an option to get uninsured watercraft coverage. This would give you coverage in the event another watercraft injures you or damages your property, if they have no insurance coverage. This is valuable protection and the cost is usually quite low.

There will be an option to get medical payments coverage at additional cost with most policies. This will usually come with options for the amount of coverage.

Coverage for your watercraft will usually cover things like collision, fire, theft, vandalism, and other named risks. There may be an option to insured your boat for a preset value (agreed value), or the policy may state the coverage is for the actual cash value of the watercraft. If you have a trailer you can usually insure that on the same policy. You will generally have a choice of deductibles to choose from. Larger deductibles will result in lower insurance premiums.

Other options may be available so ask your agent to explain all your options. Also be sure to deal with a financially stable company with a good reputation.

Texas residents can visit our boat insurance Houston site for more information. Or call our office at 281-537-2700.

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