Watercraft Insurance
At Twin Creek Insurance, we know that owning a boat or personal watercraft offers endless opportunities for fun and relaxation. However, just like any valuable asset, your boat needs protection from the unexpected. Our comprehensive boat and watercraft insurance is designed to provide you with peace of mind, so you can enjoy the open water without worry.
Why Do You Need Boat and Watercraft Insurance?
While many states require insurance for vehicles, Texas does not mandate boat insurance. But protecting your watercraft with a reliable policy is a smart choice. Whether you own a fishing boat, sailboat, pontoon, or personal watercraft like a jet ski, boat insurance helps safeguard against risks such as accidents, damage, theft, or liability claims.
Boat and watercraft insurance is essential for covering a range of incidents, including:
Accidental Damage – Whether from a collision, a storm, or running aground, accidental damage can be costly.
Theft – Boats and their expensive equipment are often prime targets for thieves.
Vandalism – Protects against intentional damage caused by others.
Liability – If you’re held responsible for injuries or property damage to others, liability coverage will help protect your financial well-being.
Even the safest and most experienced boaters can encounter unforeseen issues, making insurance coverage an essential part of responsible boat ownership.
What Does Boat and Watercraft Insurance Cover?
At Twin Creek Insurance, we offer comprehensive boat and watercraft insurance plans tailored to fit your needs. Our policies provide broad coverage for a variety of watercraft, including speedboats, yachts, fishing boats, jet skis, and more. Here’s an overview of what our boat insurance typically covers:
- Physical Damage Coverage – Protection for your boat, including its hull, motor, and any permanently attached equipment, from damage due to collision, weather, fire, or sinking.
- Liability Coverage – Covers bodily injury and property damage you may cause to others while operating your boat. This includes medical payments and legal costs if you’re sued for an accident involving your watercraft.
- Uninsured Boater Coverage – If you’re involved in an accident with an uninsured or underinsured boater, this coverage helps pay for injuries to you or your passengers.
- Personal Property Coverage – This extends to personal items on your boat, such as fishing gear, water sports equipment, and onboard electronics, that may be lost, stolen, or damaged.
- Medical Payments – Covers medical expenses for you and your passengers in the event of a boating accident.
- Towing and Assistance – Provides coverage for towing expenses if your boat becomes disabled while on the water.
- Agreed Value Coverage – This policy pays for the full insured value of your boat in the event of a total loss, with no depreciation.
- Fishing Equipment Coverage – Protect your valuable rods, reels, and other fishing gear.
At Twin Creek Insurance, we take the time to understand your specific boating lifestyle and provide you with the most appropriate coverage options. We’re committed to offering personalized service, competitive rates, and comprehensive coverage to ensure that your time on the water is as enjoyable as it is protected.
Your boat or watercraft is a valuable investment, and protecting it with the right insurance is key to enjoying worry-free adventures on the water.
Contact us today to learn more about our boat and watercraft insurance options and get a customized quote for your watercraft.