As summer arrives in North Texas, boaters across Collin County are gearing up for lake season. But before you launch, it’s critical to prioritize safety and protect your investment with the right boat insurance.
At Sterling Insurance Group in Plano, TX, we help local families enjoy their time on the water with confidence—because one accident, storm, or liability claim can turn a fun outing into a costly ordeal.
In this blog, we’ll explore:
- Why boating safety matters in Texas
- Local risks on lakes near Plano and Collin County
- What boat insurance covers—and why it’s essential
- Tips to help you protect your family, your boat, and your financial future
Let’s get started.
Boating in Collin County: Fun with Risks
From Lake Lavon and Lake Lewisville to Lake Ray Hubbard and Lake Texoma, North Texas offers prime boating destinations close to home. But our region also presents specific risks that make both boating safety and boat insurance vital.
Common Hazards for North Texas Boaters:
- Sudden storms and wind: Weather can change fast, especially during Texas summers.
- Shallow or unfamiliar waters: Hidden debris, tree stumps, and submerged rocks can damage hulls.
- Busy holiday weekends: Lakes get crowded, increasing the risk of collisions.
- Inexperienced operators: Many recreational boaters don’t have formal training.
Without insurance, an incident could cost thousands—or lead to legal liability.
Boating Safety Tips Every Texas Boater Should Know
At Sterling Insurance Group, we believe safe boating starts with education. Whether you’re new to boating or a seasoned captain, follow these key safety practices before and during every trip:
1. Wear a Life Jacket—Always
Texas law requires children under 13 to wear a U.S. Coast Guard-approved life jacket at all times on a boat under 26 feet. We recommend everyone onboard wear one—regardless of age.
2. Check the Weather Forecast
Strong winds, lightning, or sudden storms can form quickly across North Texas lakes. Use a weather app or NOAA marine radio before and during your trip.
3. Complete a Boater Safety Course
The Texas Parks and Wildlife Department (TPWD) requires boat operators born after Sept. 1, 1993 to complete a Boater Education Course. Even if you’re exempt, it’s a smart (and often insurance-discount-eligible) move.
4. Don’t Mix Boating and Alcohol
Operating a boat while intoxicated is illegal in Texas and can lead to fines, jail time, and license suspension. More importantly, it’s dangerous—alcohol is a leading factor in fatal boating accidents.
5. Maintain and Inspect Your Boat
Before each outing, inspect your:
- Engine and fuel lines
- Battery and electrical system
- Bilge pump
- Navigation lights
- Fire extinguisher
- Safety gear (life jackets, throwable device, horn, etc.)
Why You Need Boat Insurance in Plano and Beyond
Texas doesn’t require boat owners to carry insurance by law—but if you own a boat, having coverage is a smart financial decision. Here’s why:
1. Your Homeowners Policy Won’t Cut It
Most home insurance policies only cover very small boats—like kayaks or boats under 25 horsepower—and even then, only for limited liability and property damage. For larger vessels or watercraft with motors, a dedicated boat insurance policy is necessary.
2. Marinas and Banks Require It
Many marinas on Lake Lavon, Lake Lewisville, and other area lakes require proof of liability insurance before they’ll allow you to dock or store your boat. If you financed your boat, your lender will also require comprehensive coverage.
3. Accidents Happen—Even to Safe Boaters
You may be cautious, but not everyone else is. Texas lakes are full of jet skis, pontoons, fishing boats, and weekend warriors. Without coverage, you could be left paying:
- For repairs to your boat or others’
- Medical bills for injured passengers
- Legal fees if you’re sued
What Does Boat Insurance Cover?
At Sterling Insurance Group, we customize policies to fit your boat, usage, and budget. Here are the common coverages we recommend to North Texas boaters:
Physical Damage Coverage
Pays to repair or replace your boat, motor, trailer, and attached gear after damage from:
- Collision
- Fire
- Theft or vandalism
- Storms or sinking
Ask about “agreed value” coverage, which pays the amount listed in your policy—regardless of depreciation.
Liability Coverage
If you injure someone or damage another boat, dock, or structure, this covers:
- Medical costs
- Property repairs
- Lawsuits and legal defense
Medical Payments
Covers medical bills for you and your passengers—even if you’re not at fault.
Uninsured Boater Coverage
Covers injuries to you or your passengers if hit by a boater without liability insurance.
On-Water Towing & Assistance
Get towed if you’re stranded or need emergency fuel or jump-starts.
Personal Effects & Fishing Equipment
Optional add-ons can cover:
- Rods, reels, and tackle
- Life jackets and water sports gear
- Fish finders, GPS, radios, and other electronics
Real-World Examples from Texas Boaters
Here are a few local scenarios where boat insurance saved the day:
Storm Damage on Lake Lavon
A summer thunderstorm rolled in while a Plano couple had their boat docked. High winds caused dock damage and the boat slammed into the pilings, causing $8,000 in fiberglass repairs. Insurance covered the full cost minus their deductible.
Jet Ski Collision on Lake Lewisville
Two teenagers on jet skis collided near a busy marina. One suffered a broken wrist. The family’s boat policy included liability coverage that helped pay medical expenses and legal fees, avoiding an out-of-pocket lawsuit.
Theft at Boat Storage Lot
A Frisco angler’s boat trailer and outboard motor were stolen from a gated storage facility. Because he added theft coverage, his policy reimbursed him for the stolen equipment after the police report was filed.
How Much Does Boat Insurance Cost in Texas?
Premiums vary depending on:
- Type, size, and value of the boat
- Where and how often you use it
- Boating experience and claims history
- Coverage levels and deductibles
In Plano and surrounding areas, annual premiums typically range from $250 to $1,000. Fishing boats, pontoons, and personal watercraft may cost less, while high-performance boats or yachts will cost more.
Discounts May Be Available For:
- Bundling with your auto or home policy
- Completing a safety course
- Installing safety or anti-theft equipment
- Having a clean boating history
At Sterling Insurance Group, we shop multiple carriers to find you the best coverage and price for your boat.
Final Tips for a Safe and Insured Summer on the Water
Before your next outing on Lake Lavon or Lake Lewisville, make sure you:
✅ Review your safety checklist
✅ Update your boat insurance policy
✅ Inform all passengers about safety gear and emergency procedures
✅ Know your route and check the forecast
And if you’re not sure what kind of policy you need, talk to a local agent who knows Texas boating. That’s what we’re here for.
Ready to Get Covered?
At Sterling Insurance Group in Plano, TX, we understand the risks and rewards of boating in North Texas. Our experienced local agents will:
- Help you understand your risks
- Tailor coverage to your boat and usage
- Compare quotes from multiple top-rated carriers
- Make sure you’re protected—on and off the water
Call us today or request a free quote online. Whether you’re launching from a Collin County marina or storing your boat for the season, we’ve got your back.
Sterling Insurance Group | (972) 964-4825 | sterlinginsnow.comFollow Us: Facebook | LinkedIn | YouTube | Instagram