Because Texas weather allows for year round activity on the water, we strongly recommend all Texas boaters invest in boat insurance. Accidents can happen at any time, and inclement weather during even a warm weather can suddenly arise on even the most tranquil of Texas lakes.

Texas boat insurance rates are competitive in and of themselves alone. Additionally, there are a total of six major types of discounts, one or more of which almost ever TAHI customer qualifies for.

The following list describes the many benefits offered by each line of coverage we provide. Each policy we write may include any or all of the benefits, depending on your personal choice and our best profession recommendation for your protection.

Physical Damage Coverage

Physical damage coverage begins at home, regardless of where you reside in Texas. Adding this feature to your boat insurance policy protects the craft in storage and during transport. It also protects you, of course, while the boat is out on the water.

Policies can be so detailed they can indemnify against fire, lighting, theft, vandalism, and even explosions.

If you strike submerged object in shallow water, your Texas boat insurance policy can cover the cost of repair. We will even cover damages caused when someone else is driving the boat, provided they are an authorized user per the terms of your policy.

If you require emergency service at any time such as towing, onsite labor, or delivery of vital supplies, we can cover up to $100.00 of these expenses to reimburse you for these unexpected costs.

Texas boat insurance policies can also protect equipment on the boat equivalent to 10% of the total physical damage coverage limit.

Watercraft Liability Coverage

More boats hit the waterways every year. Every Texas boat insurance policy should include sufficient protection against any number of incidents that can involve collision with other boats, other people, or docking areas.

There are three main specific arenas in which this coverage protects you.

1. Personal liability protection in the event of an accident.

If you or someone in your household causes injury to another person during the course of a boating accident, this coverage protects you from liability within your policy limits

2. Medical payments coverage.

If you are someone in your boat are injured, boat insurance in Texas can cover medical expenses within policy limits. This coverage extends to water-skiers pulled behind the boat and passengers swimming around the boat who may be struck by it.

3. Property damage liability.

This covers damage to your boat resulting from a collision with another boat or object in or near the water.

Added Policy Features

Boat insurance in Texas can cover emergency services and personal belongings within the boar. Anyone planning to take an extended boating trip, and all serious fishermen, should call an agent to hear more about the details this type of coverage offers.

Personal watercraft coverage can also be added to your Texas boat insurance policy. Ask your agent for more information on this option.