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Boat Insurance

What is Boatowners’ Insurance?

Boatowners insurance protects your watercraft, passengers, and financial investment in case of accidents, damage, or liability claims. It covers all types of motorized watercraft—from fishing boats and pontoons to yachts and jet skis—so you can enjoy the water worry-free.

What Does Boatowners Insurance Cover?

A comprehensive Texas boat insurance policy may include:

  • Liability Coverage – Protects against legal responsibility for injuries or property damage; may include pollution and wreckage removal.
  • Collision Coverage – Pays for damage to boat, motor, trailer, and equipment from collisions.
  • Comprehensive Coverage – Covers non-collision events like fire, theft, or storms.
  • Uninsured/Underinsured Boater – Protects you and passengers in accidents with uninsured boaters.
  • Medical Payments – Covers medical expenses for you and passengers.
  • On-Water Towing & Labor – Pays for towing or emergency services if disabled on water.
  • Fishing Equipment Coverage – Covers damage to fishing gear during transport or on board.
  • Personal Effects Coverage – Replaces personal belongings damaged or lost on board or in transit.

Why Boatowners Insurance Matters in Texas

Texas boaters face unique risks—from Gulf Coast hurricanes to inland storms and uninsured boaters. Whether you’re fishing on Lake Conroe, cruising the Gulf, or enjoying weekends on local reservoirs, boat insurance is essential to protect your watercraft, passengers, and financial investment.

Local Expertise You Can Trust

At MCN Multiservices, we serve boat owners across Texas. Our agents understand state boating laws, marina requirements, and coastal risks. We’ll help you find the right policy for your vessel, lifestyle, and budget.

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What Makes Us Different?

Texas-Specific Expertise

We know the boating laws and risks unique to Texas.

Flexible Coverage Options

Protect your boat, gear, and passengers with tailored policies.

Affordable Premiums

Get coverage at a budget-friendly rate.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Boat Insurance Tips for Texas Owners

  • Bundle Policies – Combine boat and auto insurance for discounts.
  • Store Your Boat Securely – Garaging or dry-docking can lower premiums.
  • Take a Boating Safety Course – Many insurers offer discounts for certified boaters.
  • Review Marina Requirements – Some marinas require proof of liability coverage.

Ready to Protect Your Watercraft?

Contact MCN Multiservices today for a free boat insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and get insured fast—so you can enjoy the water with peace of mind.

Frequently Asked Questions

Why do you need Boat Insurance?

Accidents can happen on the water, and the right coverage ensures you’re prepared for unexpected events, whether it’s a collision, theft, storm damage, or injuries to passengers or others.

While boat insurance in Texas is not legally required, certain marinas and lenders often make it mandatory for docking or financing purposes. Even if not required by law, having marine liability coverage is strongly recommended. It protects your investment and shields you from financial risks if accidents or damages occur on the water. In short, if you’re wondering “Do I need boat insurance?”, the answer is yes, if you want true protection and peace of mind.

The cost of boat insurance in Texas varies based on your boat’s type, size, age, usage, and where it’s stored. Factors like coverage limits and your boating experience also play a role. On average, Texas boat owners pay between $300 and $1,000 per year. Comparing quotes can help you find affordable marine insurance and the best watercraft insurance rates to match your lifestyle and budget.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.