What can be sweeter than being on the water on your boat on a hot Texan day? While many people think that boat ownership is a lot of fun, it is also a big responsibility. There are certain things you need to consider as a boat owner, and one of them is boat/watercraft insurance. It is similar to your regular car insurance. While in general, boat insurance is not obligatory in Texas, some marinas will require boat and watercraft owners to have insurance to use their facilities.
Most types of boats and watercraft can be insured, including fishing boats, paddle boats, jet skis, yachts, pontoon boats, and leisure crafts. The general rule is that you can insure any boat that has a motor. This means that such boats as kayaks and canoes without an engine are not insured.
Just like auto insurance, boat insurance pays for damages caused to any property belonging to someone else, including a boat, dock, or other structure. Your insurance will also cover the medical bills of another party injured in a marine accident. Repairs or replacement of your boat in case of an accident will also be covered.
Since your boat is different from your car, there are some specialty items that you may want to add to your basic boat insurance policy. It might be your expensive fishing equipment, cell phone, or laptop. You can also add additional services, such as roadside assistance, for example.
At Conner & Duffer Insurance, we are ready to help you with all your boat insurance needs and find the perfect coverage for your boat or watercraft. If you are a boat owner in Texas, do not hesitate to give us a call to ask all the questions you have. The experienced agents from Conner & Duffer Insurance will be more than happy to find the policy your need for your safety and peace of mind.