Boat Insurance

from Wragge Insurance

Boat & Watercraft Insurance


Wragge Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.


Do you know what to look for in a Texas watercraft insurance policy? Wragge Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.


Here are some items you’ll need to consider when shopping for Texas boat insurance.


   • Navigational Area


     Know where you are covered in the water. Some insurance        companies offer protection that covers 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, coverage for additional areas      can be purchased.


   • Agreed Value Coverage


     Watercrafts depreciate just like cars. Actual cash value                policies can make it difficult to replace a boat that has been        stolen or destroyed. This means that if your boat is a total          loss you will get the value you insured it for, minus any                deductible.


   • Liability


     Like car 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 insurance is not always mandatory, many boaters      choose not to get insurance. If you are hit by an uninsured or      underinsured boater and you are injured, this type of                  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.


   • Personal Effects


     Your policy can provide coverage for many personal effects,       including clothing, jewelry, cell phones, scuba/snorkeling             and other sporting equipment, and fishing equipment. Limits       vary by state, so check with us for what's required in Texas         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


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


Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.


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