Owning your own personal watercraft, whether you have a simple motorboat for recreation, a bass boat for fishing, or a sailboat for sheer leisure, can be an extremely enjoyable way to spend a day. But there are countless complications that can put a damper on your fun if you lack boat insurance. Selecting proper insurance coverage can give you peace of mind and will go a very long way in protecting your investment.
At Evans, Ewan & Brady Insurance Agency, we understand how important watercraft insurance really is. As an independent agency that has been serving Texas residents and business owners for decades, we carry the experience and knowledge necessary to help you find the perfect coverage to suit your needs and activity level.
Why Get Watercraft or Boat Insurance in Austin, Texas?
There is no current legal requirement to hold boating insurance for personal watercraft in the state of Texas. However, in many ways this is more harmful than helpful! Boat owner insurance covers a very large array of potential issues that are common when boating. Consider these points:
- Boat theft is not at all unheard of, and without coverage you’re left covering the entire cost of recovery or replacement.
- Boats require substantial upkeep, and even when a boat is well-maintained, repairs are a common consideration. If you lack insurance coverage for your boat, you’ll quickly learn just how costly these repairs can be.
- You are fully liable for any passengers on your boat. Should a mishap occur, you can and likely will be held totally responsible for all medical costs.
Feeling like boat insurance may be wise? We agree — contact Evans, Ewan & Brady online today!
What Coverage Options Are Available for Boat Insurance?
In some cases, it is possible to get moderate coverage via your home or vehicle insurance policies. However, these are typically very simplistic and limited — whether or not these types of extended coverage are viable will depend on your specific needs, the cost of ownership of your boat, and how frequently you use your boat.
The better option much of the time is to find and select a policy that specifically covers watercraft, and even better than that is to find policies that cover your specific boat type. Boats come in all sorts of shapes, sizes, and usage types. Each factor changes coverage, so it is ideal to select a policy that specifically covers:
- Bass and fishing boats
- Other watercrafts
Personal watercraft policies that stand apart from motorist insurance offers the same coverage types: liability, uninsured motorist, and comprehensive coverage. Policies generally cover the following:
- Bodily injury
- Property damage
- Guest passenger liability
- Medical payments
There are also extended forms of coverage for other common complications, including hull damage coverage and fuel spill liability. Liability limits start at $15,000 and can be increased to $300,000.
Want to find out more about your options? Contact us online, or call 512-869-1511 to discuss your needs with an independent Texas insurance agent now!
Get a Quote for Personal Watercraft Insurance in Central Texas
Evans, Ewan & Brady Insurance Agency, Inc. proudly provides marine insurance solutions in metro Austin, Georgetown, Round Rock, Killeen, and Pflugerville. With our experience and dedication to finding our clients the most competitive, comprehensive, and cost-efficient policies possible, we are the best watercraft, jet ski, boat, and recreational vehicle independent insurance agency in Austin!
Reach us online now, or call 512-869-1511 to begin comparing quotes!