Click to Call
Great Southern Agency

12111 Spring Cypress Rd
Suite A
Tomball, TX 77377

Get Directions
Featured Insurance Blog

Why Texas Residents Need Boat Insurance While They’re Out On The Water

Great Southern Agency provides coverage to the Tomball, TX community. We believe that hospitality and making our clients feel welcome makes a huge difference. We offer flexible policies designed to meet the needs of our clients in every situation. For over 30 years, we have helped our clients find the coverage they need to protect what matters most. We are confident that we can help you protect your assets.

Why Texas Residents Need Boat Insurance

Boating is a popular hobby throughout Tomball, TX. On warm summer days, many residents enjoy going out on the water and having fun with friends and family. However, it’s important that you have some protection while you’re out on the water. Accidents can occur at any time. That’s why boat insurance is an asset. Boat insurance covers multiple types of boats, so you should be able to find a policy that aligns with your needs. The terms of your policy may differ depending on whether you have a traditional watercraft, sailboat, or powerboat.  

Boat insurance covers you if the boat sustains damage or somebody vandalizes it. Most of your personal items on the boat are covered if there are damaged. However, you may need to amend your policy if you have special accessories attached to your boat such as an anchor. Liability coverage protects your boat from accidentally causing damage to someone else’s property. You are also covered if one of the guests on your boat is injured. Pay attention to the policy’s navigational limits. The navigational limits outline the places that you are allowed to sail and still remain covered.

Great Southern Agency Will Help You Cover Your Assets

Visit our website to learn more information about boat insurance.

Coverage Options for Boat Insurance

At Great Southern Agency, we can provide many high-quality insurance options for many situations. For example, we can give our clients excellent boating insurance policies that will help to keep their watercraft safe. What kind of policy options are available for you? Understanding your choices here will make it easier to find one that makes sense for your needs. 

Your Boating Insurance Policy Options 

High-quality boating insurance can be adjusted in various ways to protect to keep your watercraft from severe damage for years to come. Just a few of the most common types of coverage include options as diverse as:

  • Medical payment coverage to pay for medical costs or even funeral expenses 
  • Liability protection to keep you safe from crash-related lawsuits 
  • Property protection that repairs damage done to your boat 
  • Repair protection to keep your vehicle safe from damage 
  • Emergency repair coverage if your watercraft breaks down 
  • Uninsured/underinsured protection from other boasters on the water 
  • Agreed value coverage to help replace your boat
  • Personal effects policies to pay for items on the watercraft
  • Trailer protection to help keep your boating trailer safe from damage

Make sure that you talk to your insurance company about each of these options and select those that make the most sense for you. Most basic policies should cover these issues, though you may need to subtly adjust your choices to give yourself the best overall level of coverage here.

Give Yourself Great Insurance Help 

If you’re looking for an excellent boat insurance policy for your watercraft and aren’t sure where to turn, please don’t hesitate to contact us at Great Southern Agency, serving Tomball, TX. We will do what we can to help you better understand your policy options and to ensure that you never leave Tomball, TX, without a great policy that keeps your water vehicle protected from various types of issues. 

What Does Boat Insurance Cover?

At Great Southern Agency, we recognize that your boat is an investment you’ve made to have fun with your life to the fullest. That’s why we’re determined to help boaters in Tomball, TX protect this crucial investment. 

What is Boat Insurance?

A boat insurance policy is meant to cover you and your boat against liability and damage if an accident occurs. Boat accidents happen all the time, but with boat insurance, you can count yourself lucky. This insurance policy will cover you on and off the water. 

Can My Boat Be Covered Under Auto Insurance?

The fact is— if you don’t have a separate policy to cover your boat, you’re probably underinsured. Auto insurance is not designed to cover boats and personal watercraft. Don’t wait until an accident happens to realize that your boat is not insured. 

What Coverages Do You Get with Boat Insurance?

Boat Insurance Property Coverage

This coverage protects your boat from a multitude of risks. For example, if your boat is damaged accidentally, this policy will cover the repairs costs. Also, in the event your boat is stolen, this policy will cover the cost of replacement. 

You can choose from two coverage types under boat insurance property coverage: agreed amount coverage and actual cash value coverage. The former pays for repairs based on the boat’s value, while the latter considers the boat’s depreciation value at the time of repair. 

Liability Coverage

When you’re at fault for an accident, you’re legally liable for the losses incurred by the other party. Here’s when liability coverage saves the day. It pays for all expenses incurred by the other party.

Uninsured coverage

This coverage protects you in the event an uninsured boater is at fault for an accident that resulted in damage to your boat or bodily injuries to your passengers. Uninsured coverage will pay for the costs. 

Protect Your Boat with Boat Insurance

As a boater in Tomball, TX, it’s clear that boat insurance is an investment you can’t afford to ignore willingly. It would be best if you had it to protect yourself from out-of-pocket expenses that arise after a boat accident. 

At Great Southern Agency, we’ll be happy to listen to you and help you get the coverage that best suits your needs. Contact us today for more information.