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The Who, What, Why, When and Where of Watercraft Insurance in Texas

About Watercraft Coverage: What You Need to Know

At Hastings Insurance Agency LLC, our team is equipped to provide crucial information on watercraft insurance requirements to Tomball, TX residents.

Who Needs It?

While your homeowners’ policy might cover some damages incurred by your boat, it does not include liability, and the dollar amount for coverage is limited. For this reason, a separate policy for your boat is required.

What Types of Policies Are Available?

For boat owners in Texas, there are three different types of policy:

  • Policies for repair or replacement of the boat.
  • Policies with a set value for repairing or replacing the boat.
  • Actual cash value coverage options consider the boat’s depreciation, so the payout is based on its current value.

Why is it Necessary?

Since your homeowner’s insurance policy has certain limitations regarding boat coverage, a separate policy is needed to cover damages, potential accident-induced injuries, and medical payments.

When to Get Coverage?

It is crucial to get coverage as soon as possible and before using your boat. Be sure to understand any restrictions in place with your chosen policy type.

Where to Get Watercraft Coverage?

At Hastings Insurance Agency LLC, our primary goal is to ensure you comply with state laws by helping you secure the insurance necessary to protect your boat, your passengers, and others.

Get the Insurance You Need Today

Our professional team can help Tomball residents obtain the watercraft insurance they need. We ensure that before you hit the waterways, you’re fully covered. Contact us to put a policy in place; ensure your boat is insured and that you are well informed and ready to go before launching your craft.

Why Should I Purchase Boat Insurance in Texas?

While Texas doesn’t require boaters to have insurance, it’s worthwhile to have it because unexpected events happen. At Hastings Insurance Agency LLC, serving the greater Tomball, TX community, we can help you get the right boater’s insurance.

Coverage for Medical Expenses

A standard policy with a bodily injury clause will cover the medical expenses up to policy limits if your boat injures another boater, for example. You can also get coverage for medical expenses for you and your passengers should there be an occurrence on your boat that requires medical attention. 

Help With Fuel Spills and Property Damage

And property liability would cover you if, for instance, your boat damaged the fence around a shoreline home. The Texas Commission on Environmental Quality says that the owner or operator of a boat or anyone who causes, allows or permits a fuel/oil spill is responsible for paying cleanup costs.

If you had a boat insurance policy with a spill endorsement, you might be spared the out-of-pocket cleanup costs minus your deductible. In another unwanted scenario, what if your boat was in a collision and it sunk? If you had a boat insurance policy with a clause governing recovery, you’d probably be spared most of the high cost of pulling your vessel from the water.

Boat Towing

And if your boat became disabled, a roadside assistance clause would allow for it to be towed to a repair shop. Perhaps you carry fishing gear, scuba/snorkeling or other equipment on your boat. With a personal effects clause, these items would be covered if they were damaged or stolen up to the policy limits.

Schedule A Consultation Today

Serving Tomball, TX, our team of insurance experts at Hastings Insurance Agency LLC is ready to help you with your boat insurance needs. Contact us today.

Texas Boat Insurance: A Quick Guide

As a boat owner in Texas, it’s essential to protect your investment and ensure you’re covered in case of accidents, theft, or damage. In this quick guide, we’ll provide an overview of boat insurance, including its importance, coverage options, and tips for finding the right policy with the help of our team at Great Southern Agency in Tomball, TX.

Why You Need Boat Insurance in Texas

While Texas law does not mandate boat insurance, it’s a wise decision to have coverage in place to protect your assets and safeguard yourself from potential liabilities. Accidents can occur, and without proper insurance, you could be held responsible. Moreover, some marinas and lenders may require proof of boat insurance before allowing you to dock or finance your boat. By obtaining a policy from a reputable agency like Great Southern Agency in Tomball, TX, you can enjoy peace of mind while out on the water.

Coverage Options for Texas Boat Insurance

When choosing a boat insurance policy, consider the following coverage options:

  1. Liability coverage: This type of coverage protects you if you’re found responsible for causing bodily injury or property damage to others while operating your boat.
  2. Collision coverage: This covers damages to your boat resulting from a collision with another boat or a stationary object.
  3. Comprehensive coverage: This protects your boat from damages caused by events other than collisions, such as theft, vandalism, or natural disasters.
  4. Non-insured or underinsured boater coverage: This covers you if you’re involved in an accident with another boat operator who doesn’t possess adequate insurance or any insurance.
  5. Medical payments coverage: This covers medical expenses for you and your passengers if injured in a boating accident.

Finding the Right Boat Insurance Policy

To find the right boat insurance policy, it’s essential to work with a knowledgeable and experienced insurance agency like Great Southern Agency in Tomball, TX. We can help you assess your needs, evaluate various coverage options, and select a policy that offers the best protection at a competitive price.

Remember that factors such as the type, age, and value of your boat, along with your boating experience and history, will impact your insurance premiums. It’s important to discuss these factors with your insurance agent to ensure you receive the most suitable coverage for your unique situation.

Texas boat insurance is a crucial aspect of responsible boat ownership. By partnering with us, you can secure the right coverage that allows you to enjoy your time on the water with confidence, knowing that you, your boat, and your passengers are well-protected.

What To Do If You Damage Someone Else’s Property With Your Boat

No one likes to think about the possibility of damaging someone else’s property, but it’s always best to be prepared for the worst. So, what happens if you accidentally damage another person’s property with your boat? Great Southern Agency in Tomball, TX is here to explain the steps you should take.

What Steps You Should Take

The first thing you should do is assess the situation and determine whether or not anyone is hurt. If there are any injuries, call 911 immediately. Once you’ve determined that everyone is safe, you should try to locate the property owner so that you can let them know what happened and offer to pay for any damages. If the owner isn’t around, leave a note with your contact information and an explanation of what happened. 

Next, you’ll need to contact your insurance company to inform them about the incident. They will likely send an adjuster to assess the damage and determine how much your policy will cover. Once you have an estimate of the damages, you can begin making repairs. 

If the repairs are minor, you may be able to handle them yourself. However, if the damage is more severe, you’ll need to hire a professional. Be sure to get multiple estimates before making a decision, as repair costs can vary significantly from one contractor to the next. 

Contact Us Today

No one wants to think about damaging someone else’s property, but it’s always best to be prepared for the worst. If you accidentally damage another person’s property with your boat, you should first assess the situation and determine whether or not anyone is hurt. If there are any injuries, call 911 immediately. Once you’ve determined that everyone is safe, try to locate the owner of the property so that you can let them know what happened and offer to pay for any damages.

Contact Great Southern Agency or come to our offices in Tomball, TX for comprehensive insurance services.

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.