Boat Insurance
Stay Afloat with Smart Coverage
Whether you’re casting a line on a quiet lake or cruising through Texas waterways, your boat deserves protection that goes beyond the basics. We help West Texas boat owners find coverage that fits their vessel, their lifestyle, and the way they use it—from weekends at the lake to year-round recreation.
What Your Boat Insurance Can Include
Physical Damage Coverage
Pays for repairs or replacement if your boat is damaged by accidents, weather, fire, or vandalism.
Liability Protection
Covers injuries or property damage you may cause to others while operating your boat.
Uninsured Watercraft Coverage
Protects you and your passengers if you’re involved in an accident with an uninsured or underinsured boater.
Towing & Assistance
Helps pay for towing and emergency services if your boat breaks down on the water.
Trailer Coverage
Includes protection for the trailer used to transport your boat, whether it’s stored at home or on the road.
Personal Property & Equipment
Covers fishing gear, navigation systems, life jackets, and other personal items onboard your vessel.
Coverage That Matches Texas Waters
Boating in West Texas comes with unique challenges
From Lake Alan Henry to Buffalo Springs Lake, boating in West Texas isn’t just a pastime—it’s a way of life. But with strong sun, shifting weather, and long trailering distances, local boat owners face risks that generic policies often miss. That’s why we offer tailored boat insurance for the needs of Abernathy, Lubbock, and the surrounding region. Whether you keep your boat docked, trailered, or in storage, we’ll help you navigate the right protection. And if your boat doubles as a business asset—like for guiding or rentals—we’ll make sure you’re covered for that too. In West Texas, your boat is more than a hobby—it’s part of your life.
Frequently Asked Questions
Is boat insurance required in Texas?
Boat insurance isn’t required by law in Texas, but many marinas and lenders will ask for proof of coverage. Even if you’re not obligated to carry it, having insurance protects you from out-of-pocket costs in case of an accident or major damage. If you boat in public waterways, liability and physical damage coverage are strongly recommended. It’s a small investment that can save you thousands later.
What types of boats can you insure?
We offer insurance for a wide variety of watercraft, including fishing boats, pontoons, personal watercraft, sailboats, and bass boats. If you trailer your boat throughout West Texas or store it during the off-season, we’ll help you find the right policy. We can also look into special coverage options for commercial or charter use. Just let us know what you have, and we’ll take it from there.
Does my homeowners insurance cover my boat?
Some homeowners policies may offer limited coverage for small boats, but there are often restrictions on size, horsepower, or value. This coverage typically excludes liability and doesn’t apply when your boat is in use. For proper protection, especially on the water, a separate boat insurance policy is usually necessary. We’ll help you avoid gaps that could leave you exposed.
Can I bundle my boat insurance with other policies?
Yes, bundling your boat insurance with your auto, home, or umbrella policy can often qualify you for multi-policy discounts. As an independent agency, we’ll shop across carriers to find bundled options that help you save. It’s a smart way to streamline your coverage while keeping costs manageable. Ask us about bundling options when you request a quote.
What if I only use my boat a few times a year?
Even seasonal use boats can suffer damage in storage or during transport. Hail, wind, theft, and trailer mishaps are all common risks in West Texas. A year-round policy ensures your boat is protected, even when it’s parked or stored. We can also explore low-usage discounts if you’re not on the water often.
