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Boat Insurance in Texas

Boat insurance shields you against such incidents as accidents, theft, and liability claims. This is especially true in Texas, where you can find the Gulf Coast and a plethora of lakes and rivers. It’s important to obtain adequate insurance to safeguard both you and your watercraft while on the water.

When insuring your boat in Texas, CINCO is ready to meet all your requirements. Enjoy your time on the water with confidence, knowing we provides coverage to help you avoid dangerous situations and minimize stress. With our comprehensive policies, you can focus on making the most of your time on the water, while we handle the rest.

Why Do I Need Boat Insurance In Texas?

It is insurance that ensures you are shielded from financial loss from an accident, theft, or any harm to the vessel reducing on repair or cost of acquisition.

It shields you in case you are sued for negligence especially when a person gets to be injured or his property destroyed by your boat.

The requirement of insurance is quite common in Texas because many marinas and waterways require evidence of the insurance when granting boating access.

Boat insurance thus enables people to enjoy time in water and at the same time not worry walking into financial vulnerability and legal liabilities.

It makes you ready for any disasters, storms, or any circumstances that may occur to you while riding the boat in Texas waters or even a collision with another boat.

How Much Does Boat Insurance Cost In Texas?

This insurance’s average cost in Texas depends on factors like the kind of boat, its value and usage, and coverage plan. But statistics show that on average the yearly premium is between 100 and 1000 dollars. Premiums can be affected by the size type, age, the boating experience of the owner and past history of losses. Below are some of the factors that define the cost of the insurance.

Type of Boat

Boat Value

Usage

Coverage Options

Boat Size

Boat Age

COMPARE Boat Insurance Rates Across Key Texas Cities

Insurance costs depend on the structure of rates provided by Texas insurance providers. Every city has specific conditions that affect rates, such as the availability of waterways, the type and value of the boat, and the selected options. In most cases, Gulf Coast cities such as Houston, Corpus Christi, and Galveston have high insurance costs due to vulnerability to certain risks such as hurricanes and saltwater effects.

City Name

Average Yearly Boat Insurance Rates

Houston

$350 - $900

San Antonio

$325 - $850

Dallas

$375 - $950

Austin

$350 - $900

Fort Worth

$375 - $950

El Paso

$300 - $800

Arlington

$350 - $900

Corpus Christi

$325 - $850

Plano

$375 - $950

Lubbock

$300 - $800

WHAT DISCOUNTS CAN I GET FOR Boat INSURANCE IN TEXAS?

Few insurers give a discount for boaters who belongs to some organization or association that is affiliated to boating or water conservation. Regarding the opportunities to receive lower prices and save money on this insurance in Texas, people should discuss it with insurance companies like CINCO, which will reveal possible discounts for each specific customer. 

DISCOUNT NAME

DESCRIPTION

Multi-Policy Discount

Save by bundling your boat insurance with other home or auto insurance policies.

Safety Equipment Discount

Earn discounts for installing safety features like fire extinguishers or GPS systems on your boat.

Claims-Free Discount

Qualify for discounts if you have yet to file any claims within a specified period.

Boating Safety Course Discount

Receive discounts for completing an approved boating safety course.

Membership Discount

Enjoy savings by being a member of certain boating associations or clubs.

What Are The Minimum Boat Insurance Requirements In Texas?

These states include Texas where boat owners are required to have liability insurance in cases where the boat is financed or if the boat is to be used in some of the marinas or waterways. The minimum liability coverage typically includes the following:

  • $30,000 for bodily injury liability per person injured in an accident.
  • $60,000 for bodily injury liability total per accident, regardless of the number of persons injured.
  • $25,000 for property damage liability per accident.

These minimum requirements assist in protecting other people who may be involved in an accident involving the boat by providing the boat owners with financial means to cover the losses occasioned by the accident. Specifically, this includes $30,000 for bodily injury liability per person injured in an accident, $60,000 for bodily injury liability total per accident, regardless of the number of persons injured, and $25,000 for property damage liability per accident.

What Types Of Boat Can I Insure With CINCO in Texas?

Powerboats face many risks on the water. Get comprehensive coverage to secure your powerboat against accidents and damage.
Our sailboat insurance covers sailboats in unforeseen situations, providing tailored policies to protect your vessel.
With our specially designed insurance plans, you will be financially covered if your watercraft is involved in an accident or event.
We offer insurance for fishing boats, covering unexpected situations like fire, rain, or storms to protect your boat.
Cover your houseboat with our customized solutions, ensuring protection for cabin cruisers or floating homes in any unforeseen situation.
For luxury yachts, secure inclusive insurance solutions that cover unexpected situations and ensure comprehensive protection.

What Coverages Can I Get For My Boat In Texas?

Liability Coverage

Protects against legal claims for property damage or bodily injury caused by your boat in Texas.

Property Damage Coverage

Covers repair or replacement costs for property damaged by your boat, including docks and other structures.

Medical Payments Coverage

Covers medical expenses for injuries sustained by you or others on your boat, ensuring quick treatment.

Uninsured/Underinsured Motorist Coverage

Protects you from costs if an accident involves a boater with insufficient or no insurance coverage.

Personal Injury Protection (PIP)

It provides coverage for medical expenses and lost wages due to boat-related injuries and supports you financially.

Collision Coverage

This policy covers repair or replacement costs if your boat is damaged in a collision, whether caused by a crash or impact with objects.

Comprehensive Coverage

Protects against non-collision incidents like theft, vandalism, or storms, covering damages to your boat.

Towing and Assistance Coverage

It provides help if your boat breaks down in Texas waters, including towing and emergency assistance to get back on course.

Wreck Removal Coverage

It covers the costs associated with removing your boat if it is wrecked or sunk, ensuring safe and efficient recovery.

Fishing Equipment Coverage

Protects valuable fishing gear from loss or damage while onboard, ensuring your equipment is covered.

Why Is CINCO The Best Choice For Boat Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

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Learn the ins and outs of securing boat insurance and ensuring your vessel is protected on the waterways.

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Dive into various insurance options in Texas tailored to suit your needs and preferences.

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Get A Free Boat Quote In Texas

FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS

Cinco Auto Insurance Office Front

307 W Centerville Rd Suite C, Garland, TX 75041

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Cinco Auto Insurance Office Front

2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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2210 S Beckley Ave, Dallas, TX 75224

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Cinco Auto Insurance Office Front

10335 Ferguson Rd, Dallas, TX 75228

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2513 S Hampton Rd, Dallas, TX 75224

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Cinco Auto Insurance Office Front

1440 S Buckner Blvd, Dallas, TX 75217

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Cinco Auto Insurance Office Front

9208 E R L Thornton Fwy #207b, Dallas, TX 75228

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Founded in 1981, CINCO Auto Insurance is a licensed agency proudly serving Texas and Georgia residents with reliable insurance coverage.