Title: Boat Insurance Author: Kevin Published: February 7, 2016 Last modified: December 3, 2019 --- # Boat Insurance ## We specialize in Boat Insurance in Texas Boats and personal watercraft are **big** investments, but if you love being out on the water, you know they’re worth it. So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance. The Sterling Insurance Group can help make your time on the water relaxed and worry- free. We will find you comprehensive boat insurance protection that protects you, your friends, family, your watercraft, and your boating equipment. The average boat policy costs less than a dollar a day. You’ll enjoy being on the water, even more, when you aren’t worried about your safety, the safety of your passengers, or your investment. Do you know what to look for in a boat insurance policy? The Sterling Insurance Group can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started. ## Texas Boat Insurance coverages * **Navigational Area — **Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In Texas, Florida, and Oregon, coverage for additional areas can be purchased. * **Agreed Value Coverage — **Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible. * **Liability — **Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault. * **Medical Payments — **Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault. * **Physical Damage Coverage — **Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged. * **Uninsured/Underinsured Watercraft Bodily Injury — **Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident. * **Fuel Spill Liability and Wreckage Removal — **Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive. * **Personal Effects — **Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs. * **Unattached Equipment Coverage — **This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc. * **Emergency Assistance — **The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water. To get started, enter your details below, or [**call**](https://www.sterlinginsnow.com/contact/?output_format=md) our office, and we’ll walk you through the process of getting you and your awesome boat covered. * Are you a current client of our agency?* - Yes - No * What policy number(s) do you need help with if available? * | | [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) | * What is the nature of your inquiry?* - General Question - ID Card Request - Policy Change Request - Discuss A Claim - Certificate of Insurance * Describe your policy change request * What date do you need this policy change/request to take effect?* * DD slash MM slash YYYY * Which vehicle do you need an ID card for (please enter year, make, and model)? * | Year | Make | Model |   | | | | | [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) | * Your Name* * First Last * Your Email* * Your Phone* * Please list the Additional Insured and/or Certificate Holder * Additional Insured and/or Certificate Holder Address * Street Address Address Line 2 City State / Province / Region ZIP / Postal Code * Details regarding your question, policy change, claim or other request:* * hCaptcha #### Would You Like Us To Review Your Policies? * Are you a current client of our agency?* - Yes - No * What policy number(s) do you need help with if available? * | | [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) | * What is the nature of your inquiry?* - General Question - ID Card Request - Policy Change Request - Discuss A Claim - Certificate of Insurance * Describe your policy change request * What date do you need this policy change/request to take effect?* * DD slash MM slash YYYY * Which vehicle do you need an ID card for (please enter year, make, and model)? * | Year | Make | Model |   | | | | | [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) [](https://www.sterlinginsnow.com/personal/boat-watercraft-insurance/void(0);?output_format=md) | * Your Name* * First Last * Your Email* * Your Phone* * Please list the Additional Insured and/or Certificate Holder * Additional Insured and/or Certificate Holder Address * Street Address Address Line 2 City State / Province / Region ZIP / Postal Code * Details regarding your question, policy change, claim or other request:* * hCaptcha ### Request Your Proposal Here Are you ready to save time, aggravation, and money? The team at The Sterling Insurance Group is here and ready to make the process as painless as possible. We look forward to meeting you! [ Start Here ](https://www.sterlinginsnow.com/quotes/?output_format=md)