TEXAS JET SKI & BOAT INSURANCE
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Texas boat insurance - Bodily Injury and Property Damage Liability (BI/PD) coverage covers your legal liability for water-based boat accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.
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BI/PD limits are available up to $500,000 Combined Single Limits (CSL) for Texas boat insurance policies. If you choose individual limits, you can choose varying limits of coverage. You can purchase Texas boat BI/PD coverage with individual limits, or with a Combined Single Limit (CSL).
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The cost to replace or repair damaged property and other damages you are legally obligated to pay, in addition to medical care and treatment bills and any wage losses incurred by an injured person, as a result of such an accident.
Bodily Injury
& Property
Damage
Liability
Pays For
Covers
Affordable Texas Watercraft & Boat Insurance Rates
Texas watercraft and boat insurance coverages go beyond the scope of a standard homeowners policy to include protections and services such as Roadside Assistance, which covers towing of your boat or personal watercraft for free while on the ground, as long as your trailer is covered; On-Water Towing, for when you get stranded on the water; as well as Uninsured Boaters coverage. Additional Texas boat coverage options include Fuel Spill Liability and Wreckage Removal coverage that can help you avoid getting stuck with the bill for cleanups and removals in time of trouble. Furthermore, Personal Effects and Fishing Equipment coverages are also available via our various Texas boat insurance plans.
If you are looking to save on a Texas boat or PWC insurance policy, Select Love Insurance Agency's online quote form can achieve just that in just a few minutes and provide you with multiple affordable Texas boat or PWC insurance rate quotes from different providers. One of our agents will personally handle your quote request, therefore, the information you receive using our online auto insurance quote form is far more accurate than just some preliminary and inaccurate quote rate calculator available on most other auto insurance quote or comparison websites. With Select Love Insurance Agency, you only have to fill out the short Texas boat insurance form once, and get the most accurate and lowest boat and jet ski insurance rates available in Texas from vetted and reputable Texas boat insurers.
Texas Boat insurance covers many kinds of boats, so even if you're looking for specific coverage—like personal watercraft insurance for jet skis, jet boat insurance, sailboat insurance, fishing boat insurance, or house boat insurance—a Texas boat insurance policy is what you need. With so many boat insurance options, Select Love agents provide you with the right information to help you choose the best coverage for your boat, yacht, or personal watercraft. These policies provide boaters with specialized coverage for boats or personal watercrafts.
Texas Yacht, Jet Ski, or Boat Insurance: Get A Fast Online Quote!
Texas watercraft and boat insurance protects a few different kinds of boats and personal watercrafts. This means watercraft insurance policies in Texas can differ based on what boat or other vessel you have. There are also other factors to consider when buying a Texas boat insurance:
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Texas Boat Insurance: How to Decide What Coverage To Buy?
Texas Boat Insurance: What Types Of Vessels Are Covered?
Specialized Texas Watercraft & Boat Insurance Coverages
Texas watercraft and boat insurance coverages go beyond the scope of a standard homeowners policy to include protections and services such as Roadside Assistance, which covers towing of your boat or personal watercraft for free while on the ground, as long as your trailer is covered; On-Water Towing, for when you get stranded on the water; as well as Uninsured Boaters coverage. Additional Texas boat coverage options include Fuel Spill Liability and Wreckage Removal coverage that can help you avoid getting stuck with the bill for cleanups and removals in time of trouble. Furthermore, Personal Effects and Fishing Equipment coverages are also available via our various Texas boat insurance plans.
Limits of Your Homeowners Policy
Although most homeowners insurance cover some smaller boats and PWCs, your boat or personal watercraft could prove too big or too expensive to be covered through a homeowners policy. This means you may need specific boat or watercraft insurance to protect it. Select Love insurance can offer insurance policies for yachts and boats up to 50 feet long and up to $250,000 in value, as well as personal watercraft up to 15 feet long with a maximum value cap of $27,000. Although some boats may be fully covered and eligible for watercraft insurance coverage under a Texas homeowners policy, you may still want to consider opting for specialized coverages that are only available via various boat insurance coverages listed below.
CONSIDER THESE FACTORS TO BEST DECIDE WHAT TEXAS BOAT INSURANCE TO BUY
Your Texas Boat Insurance Policy's Accepted Geographic Coverage Area
Certain insurance companies may limit where you can go with your watercraft under their coverage. Others may charge you extra if you travel to such areas. However, at Select Love Insurance we can offer you boat insurance policies that cover all inland lakes, rivers and navigable waterways of the continental United States and Canada, including ocean waters within 50 miles from the coast of the U.S. or Canada.
Your Boat's Replacement Cost
Boats and personal watercrafts depreciate in a similar fashion to cars. A homeowners policy typically only pays out actual cash value for your damaged or lost boat or personal watercraft, which could make replacements difficult if not impossible. However using Select Love Insurance’s Texas boat insurance policies that offer Total Loss Replacement, we can replace your boat or personal watercraft with a brand new model if the loss is within the first five model years. We can further provide you with Agreed Value coverages, regardless of your boat’s age.
Texas Watercraft & Boat Insurance Policies
While enjoying yourself on water, if you or your boat is hit by someone who doesn't have watercraft insurance, or doesn't have enough boat insurance, uninsured/underinsured boater coverage saves the day.
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Uninsured Boater Bodily Injury pays for damages when a covered person is injured during a boating accident and the person at fault for the accident does not have boat liability insurance.
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Underinsured Boater Bodily Injury covers damages for when a covered person is injured and the person at fault for the boating accident does not have enough boat or watercraft liability insurance.
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Uninsured/Underinsured Boater Property Damage may pay for damages when a covered boat or vessel is damaged and the person at fault for the accident does not have any boating liability insurance or does not have enough liability insurance.
Uninsured
& Underinsured
Boater
Coverage
These coverages generally work in the following ways:
If you sustain injuries during a boating accident, Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result. Medpay can be used regardless of who is at fault for the accident.
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Covered persons include the named policyholders and anyone in/on the covered boat or vessel at the time of the accident. MedPay further pays for injuries caused while water skiing or tubing.
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MedPay coverage for boaters is often limited to medical treatment received within the first three years after a boating accident and is limited to a specific dollar amount per your policy. This coverage may apply sometimes only after other medical insurance is exhausted first.
Medical
Payments
(MedPay)
Coverage
Pays For
Covers
With Comprehensive and Collision coverages, all covered damages and losses with regards to your boat paid for, regardless of who is at fault. You only have to pay your deductible.
Collision coverage kicks in if you collide with another boat or object while waterborne, and Comprehensive coverage helps you if your boat is damaged by an event other than a collision, such as fire, theft or vandalism.
When you buy Comprehensive and Collision coverage as part of your Texas boat insurance policy, you have a choice in how to settle your claim if your boat is ever damaged beyond repair (a total loss) or is sunk at sea:
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Actual Cash Value — With Actual Cash Value coverage, you can get paid either the market value of your boat/PWC at the time of the loss, or the Rating Base-whichever is lower. The Rating Base is defined as the dollar value you originally provided us for your boat or PWC to reflect its current market value.
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Agreed Value — With Agreed Value coverage for boats, you receive the agreed value of your boat-an amount you previously chose, and to which your insurance provider agreed-regardless of its current market value at the time of the loss. To determine your boat's value, you can refer to your sales receipt (for newer boats), an ABOS, BUC or N.A.D.A. appraisal guide, or an accredited marine survey.
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Total Loss Replacement/Purchase Price — With Total Loss Replacement/Purchase Price coverage for boats and watercrafts, you can get a new replacement for your boat to the greatest extent possible, the same make, class, size and type, with comparable equipment. If you decide not to replace your boat, or if your boat is older than 5 years at the time of the loss, you can receive the original purchase price. This coverage requires a sales record or receipt to determine the original purchase price and can be initially purchased only for new boats no more than one model year old. It is not available for PWCs.
Comprehensive
& Collision
Coverage
Replacement Cost Personal Effects coverage for Texas boat insurance policies pays for loss of or damages to your personal items while on board an insured boat, or while being carried on or off an insured boat.
If your individual RV insurance policy limits are 15/30/10, this means:
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No more than $15,000 would be paid per person for Bodily Injury
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No more than $30,000 would be paid per accident for Bodily Injury
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No more than $10,000 would be paid per accident for Property Damage
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Repair or replacement cost of damaged property
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Injured parties’s medical bills
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Lost wages of injured parties
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Other damages on which you have been found legally obligated to pay after an accident
Replacement
Cost
Personal
Effects
Pays For
Covers
Labor coverage applies when work is performed at the time and place of disablement at sea when the boat is waterborne. On-Water Towing and Labor Coverage is considered a reimbursement coverage.
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In Texas, with an On-Water Towing and Labor Coverage service, $300, $500 or $1,000 per occurrence is paid out toward towing and labor costs, depending on the amount of coverage chosen on the boat insurance policy.
On-Water
Towing & Labor
Coverage
Pays For
Roadside Assistance coverage for boat insurance is automatically included in most Texas boat insurance policies.
It provides towing to the nearest qualified repair facility and covers necessary labor at the time and place of disablement when the towing vehicle or your boat trailer is disabled due to any of the following reasons:
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Battery failure
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Mechanical or electrical breakdown
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Flat tire
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Insufficient supply of fuel, oil, water or other fluids
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Entrapment in snow, mud, water or sand within 100 feet of a roadway
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Lockout, or lost or stolen keys
Roadside Assistance is available 24/7, anywhere in the United States or Canada and has no deductibles. Roadside Assistance is typically included automatically with policies that offer Comprehensive coverage for the following vessels
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Pleasure boats
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PWCs with trailers
Roadside
Assistance
Coverage
Pays For
Covers
Fishing Equipment coverage pays for loss or damages to your fishing gear and equipment while on board, or while being carried on or off an insured boat.
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You must often pay a $100 deductible for each loss. Usually, $10,000 of coverage for all damaged equipment and items, or $1,000 per damage or loss to any one item is provided by this coverage.
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Fishing Equipment coverage is primary to your homeowners policy, meaning you do not have to submit a homeowners claim for damages to your fishing equipment.
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Fishing equipment theft claims must be accompanied with and supported by visible evidence of forcible entry.
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A tackle box is considered one item regardless of the number of lures, hooks, baits and other items stored with it.
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Fishing Equipment coverage is not available for personal watercrafts.
Fishing
Equipment
Coverage
Fuel Spill Liability coverage is automatically part of all boat insurance Bodily Injury/Property Damage Liability (BI/PD) coverages.
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Fuel Spill Liability covers unintentional oil or fuel spills resulting in bodily injury or property damage for which you are found legally responsible because of an accident arising out of the ownership, maintenance, or use of the insured boat or vessel.
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You can determine the amount of coverage when you select your BI/PD limits for your policy.
Oil & Fuel
Spill Liability
Coverage
Wreckage Removal coverage is included with Comprehensive and Collision coverage by default.
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Using Comprehensive or Collision coverage for boats, Wreckage Removal pays for reasonable costs you incur for any attempted raising, removal, or destruction of the wreckage of your insured boat or PWC.
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Wreckage Removal limits differ based on legally requirements about raising, removing, or destroying a covered boat or PWC.
Wreckage
Removal
Coverage
Automatically included with Comprehensive and Collision coverage and extends the Physical Damage portion of some policies.
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Mexico Physical Damage coverage pays for losses occurring in Mexico, including ocean waters within 50 miles of its coast.
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If the boat must be repaired in Mexico, only a specific amount comparable to the reasonable costs for such repairs in the United States will be paid out.
Mexico
Physical
Damage
Coverage
Water Sports coverage is an automatic part of all Texas boat insurance Bodily Injury and Property Damage Liability (BI/PD) coverages.
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The limits of this coverage are the same as your BI/PD limits. Similarly, Water Sports coverage is further available as part of boat insurance MedPay coverage.
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Excluded Water Sports activities are parasailing, hang gliding, kite skiing or any other activity involving a device designed for flight over beach or water.
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It pays for bodily injury or property damage caused by someone towed by the insured watercraft for water sports activities such as waterskiing, knee boarding, wake boarding, or tubing.
Water
Sports
Coverage
Pays For
Covers
With Coastal Navigation coverage, you and your boat are covered when on all inland lakes, rivers and navigable waterways in the continental United States and Canada
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This coverage includes ocean waters up to 75 miles from each country's coasts.
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This coverage excludes the territory or territorial waters of any country other than the United States or Canada.
Coastal
Navigation
Coverage
Select Love Insurance can help insure your jet ski or other personal watercraft (PWC) in Texas using various Texas PWC insurance offers from different providers, tailored for your PWC and needs.
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Water-Ski Coverage covers your water skis at no additional cost.
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High Limit Medical Payments coverage limits are set to $10,000.
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Low Deductibles: Some of the lowest Comprehensive and Collision deductibles available in the market.
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Replacement Cost Personal Effects Coverage is available for up to $5,000 for personal items like clothing, sunglasses, cameras, etc.
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Actual Cash Value (ACV) Coverage provides an economical and affordable Texas jet ski insurance option to cover your PWC in case it is damaged. The ACV is determined by market value, age and condition of your PWC at the time of the loss.
Specialized
PWC & Jet Ski
Coverage
Not only can we get you all the Texas PWC coverage listed above, we can further offer you additional PWC insurance options:
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Roadside Assistance — Pays for towing to the nearest qualified repair shop or facility when your tow vehicle or trailer gets damaged or disabled.
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Fuel Spill Protection — Pays the costs of unintentional oil or fuel spills that are your legal responsibility to clean up.
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Wreckage Removal — Pays the cost to raise, remove and/or destroy the wreckage if your PWC sinks.
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Unlimited Use policies allow unrestricted use of your PWC; there are no time or location restrictions on operation.
Extra PWC & Jet Ski Insurance Coverage in Texas
A Typical Texas PWC & JetSki Insurance Coverage
TX Boat Insurance: Which Types of Vessels Are Covered?
Cabin Cruiser Boat Insurance
A boat must include a head and galley to be classified as a true Cabin Cruiser. A cabin cruiser should not be confused with a cuddy cabin. A cabin cruiser is usually much larger than a cuddy cabin, at 27 feets or longer.
Bass Boat Insurance
A Bass Boat is designed for fishing as a low profile boat, which may be equipped with special seats which specifically made for optimum fishing. It may also include rod holders, an aerated bait holder, a fish cleaning station, or built in tackle boxes.
House Boat Insurance
A House Boat is usually a flat bottomed boat, designed for slow movement on the water. Houseboats have a full galley, enclosed head, and sleeping berths. House boats used as a primary residence may not be insurable on some boat policies.
Mini Jet Boat Insurance
A Mini-Jet boat is a jet propelled boat, typically less than 18 feet long, seating four to seven passengers.
Fishing Boat Insurance
Any other boats designed for the primary purpose of fishing, including sport fishing boats and center console boats.
Pontoon Boat Insurance
A Pontoon is a boat built on pontoons with a flat surface to walk and sit on. These are generally designed for slower movement on inland lakes and rivers as opposed to open waters.
PWC & Jet Ski Insurance
A personal Watercraft (PWC) is a water jet-pump-driven boat or personal vessel that is generally less than 13 feet long such as Jetskis and Waverunners.
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Sailboat Insurance
Sailboat is a boat that has and uses at least one sail for power and displacement. Sailboats can have an engine that is used as an additional power source.
Runabout & Vintage Boat Insurance
A Runabout boat is usually for recreational, fishing, and water-skiing during day use, and is powered by an engine. The hull design is usually a vee or semi-vee Runabouts are also referred to as open bow or cuddy cabins. Open bows allow for seating in the bow portion of the boat. Cuddy cabins have an enclosed cabin, typically with small sleeping quarters. Runabout boats are often highly valued vintage and classic boats.
Select Love Insurance Agency can cover all types and models of yachts and boats up to 50 feet long, and up to $250,000 in value, as well as any personal watercrafts up to 15 feet long with a maximum value cap of $27,000.
Select Love Insurance can help arrange for a pet Injury coverage while aboard your insured boat.
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This kind of coverage will pay for all veterinary bills, up to $1,000, if your pet is hurt in a boat incident that's covered by your Comprehensive and Collision coverage, such as a boat crash, theft, fire, or flood.
Pet Injury
Coverage