Boat/Watercraft Insurance
Our goal here at Lawson Insurance Agency is to make your time on the water worry-free and relaxed. We will work to find you coverage that protects you, your family, your friends, and your watercraft and equipment. When you are fully protected, your time spent on the water will be even more relaxing, knowing that your investment and your safety, and your passengers are in good hands.
Boat Insurance Requirements
The state of Texas does not require boat owners to obtain insurance. However, this doesn’t mean that you should go without insurance. Lenders will often require you to purchase an insurance policy if you finance or lease your boat or other watercraft. Additionally, some marinas may also require you to show proof of insurance, making it even more worth the investment.
Boat Insurance Coverage
It is essential to know the coverage options that are available to you. We offer numerous policies, including:
- Physical damage coverage- This will pay for your repair or replacement expenses for your watercraft and any equipment that is permanently attached to it if it becomes damaged.
- Medical payments- This will cover the costs of much-needed medical care if you or your passengers get injuries resulting from an accident, no matter who is at fault.
- Uninsured/underinsured- If you are injured by another boater who is uninsured or underinsured, this will cover your medical expenses, lost wages, and any additional expenses related to the accident.
- Personal effects- This will cover clothing, cell phones, jewelry, fishing, and sporting equipment.
- Unattached equipment- This will cover your repair or replacement expenses for anything that becomes lost or damaged that is not permanently attached to your watercraft but was created for use only on your boat. This can include water skis, lifesaving equipment, fire extinguishers, etc.
Quotes
If you are in Texas and need a quote for boat insurance, contact Lawson Insurance Agency today.