Austin Boat Insurance

Any kind of boat, houseboat and personal watercraft can be insured for your trips to Lake Travis and beyond! We can cover you for certain kinds of damage, negligence and liability, just in case.

Keep your boat in great shape, have a safe time on the water.

We’re always looking for ways to save you money. Taking an approved water safety course can lower your boat insurance policy by up to 15%! Having multiple policies with the same company, and raising your deductible are also great ways to lower your premiums.

Be safe, enjoy your time on the water in Austin, and Get a quote today.

Coverage Options

We offer comprehensive coverage from a variety of insurers that protect you, your friends and family, your watercraft and your boating equipment. We want you to enjoy being on the water even more when you aren't worried about your safety, the safety your passengers, or your investment.

What should a boat or watercraft policy include?

Navigational Area
Know where you are covered in the water. Coverage normally protects you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.

Agreed Value Coverage
Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. Usually, insurance policies are agreed value for all types of watercraft, no matter how old. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Liability
Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury
Since boat coverage is not mandatory, many boaters choose not to get insurance. If hit by an uninsured or underinsured boater, and you are injured, this coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat's owner you are required by law to have this cleaned up, which can be time consuming and expensive. Most watercraft policies automatically include this coverage.

Personal Effects
Your policy should include coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Basically anything that's use is not limited strictly to a boat or boating is covered. Limits vary by state - check with your agent for information. Personal effects coverage does not include jewelry, watches or furs.

Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

Emergency Assistance
Emergency assistance coverage provides assistance for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Optional Coverages for your Watercraft
There are additional coverage options for even greater protection and peace of mind knowing that you’re better prepared for the unexpected.