Boat enthusiasts in Willis, TX, have plenty of opportunities to enjoy a day of fun and sun at nearby Lake Conroe, a popular destination for fishing, skiing, and other water sports. While the state of Texas does not require boat owners to have insurance, there are several policy options worth considering. Our agents at Melvin Gessner Insurance can help you explore these options to ensure your watercraft is protected.
Texas Insurance Policies for Boats
Although Texas does not mandate boat insurance, there are two key situations where coverage may be required:
- If your boat is financed, the lender may require insurance as part of the loan agreement.
- If you plan to dock your boat at a marina, many marinas require proof of insurance before granting access to their facilities.
What to Consider When Choosing Boat Insurance
Boat insurance policies often include liability coverage, which protects you if you are held responsible for damage to another boat or property. Here are some common types of liability coverage:
- Bodily Injury Liability: Covers legal fees and medical expenses if someone is injured due to your boat.
- Property Damage Liability: Pays for repairs to another boat or dock damaged by your watercraft.
- Uninsured Watercraft Coverage: Provides protection if you are involved in an accident with a boat owner who does not have insurance.
Additional coverage options include collision coverage, replacement cost coverage, medical payment coverage, equipment coverage, actual cash value coverage, and protection for personal items on the boat. Non-collision damage, such as vandalism or theft, can also be covered under certain policies.
Contact Our Team
As you can see, there are many factors to consider when choosing boat insurance. If you need coverage for your watercraft, let our team at Melvin Gessner Insurance Agency help you find the right policy to keep you protected while enjoying the waterways of Willis, TX.
