Does my homeowners insurance cover my boat or jet ski?

Homeowners policies may provide very limited coverage for small boats or certain types of equipment, but they typically don’t offer the full protection most boat and watercraft owners need—especially for liability on the water. In many cases, there are restrictions on boat size, horsepower, and where coverage applies. A dedicated boat or watercraft policy is usually the better way to protect both the vessel and your liability exposure.

Is boat insurance required in Texas?

Texas doesn’t require boat insurance in the same way it requires auto liability insurance, but marinas, lenders, or storage facilities may have their own requirements. Even when it’s not mandatory, most owners choose coverage to protect their investment and liability, especially on busy lakes and rivers. We’ll review any lender or marina requirements and help you choose coverage that satisfies them without adding unnecessary extras.

Where am I covered—on the water, in storage, or while towing?

Boat and watercraft policies are typically designed to protect you in multiple situations: while you’re operating the boat in approved waters, when it’s stored, and when it’s being towed by a covered vehicle. The exact details depend on the policy, including navigation limits and storage conditions. We’ll walk through where you boat, where you store the vessel, and how far you tow it so your coverage lines up with reality.

What information do you need to quote my boat or watercraft?

To provide accurate Texas boat insurance quotes, we’ll usually ask for details like the year, make, model, hull identification number (HIN), engine type and horsepower, any add-ons or upgrades, where the boat is stored, how and where it’s used, and who operates it. For personal watercraft, we’ll also want to know how many units you have and whether any young or occasional operators will be using them.

Are my passengers and their belongings covered?

Liability coverage can help if passengers are injured in a covered incident and you’re held responsible, while medical payments coverage may help with smaller injuries regardless of fault. Personal effects coverage can sometimes extend to passenger belongings as well, subject to policy limits and exclusions. We’ll review what’s included on your policy and discuss whether you need higher limits or additional coverage for frequent guests and gear-heavy outings.

Can I lend my boat to friends or family and still be covered?

Many policies provide coverage when you allow a permissive operator to use your boat, but there can be important conditions and exceptions—especially for younger or inexperienced operators. Some carriers may require named operators, or they may treat certain situations differently. We’ll explain how your specific policy handles other operators and help you set guidelines that keep your coverage intact.

Texas Boat & Watercraft Insurance

Whether you’re running a bass boat at sunrise, cruising with the family on a pontoon, or zipping across the water on a jet ski, your boat is a big part of how you enjoy Texas. Boat and watercraft insurance helps you handle the financial side if something goes wrong—like collisions, storms, theft, or injuries—so you can focus more on the fun and less on the what-ifs.

Based in the Dallas-Fort Worth area and serving boaters across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. We explain coverage in plain language and help you choose hull limits, liability, deductibles, and add-ons that fit your boat, your budget, and the lakes and rivers you frequent. Whether you’re insuring your first boat or upgrading to a larger vessel, you get clear options and a local team ready to help at renewal and at claim time.

Boating in Texas can mean crowded holiday weekends on big lakes, quiet coves on smaller reservoirs, or river runs in Central and West Texas. Weather patterns, water conditions, storage locations, and theft trends can all affect your risk and coverage needs. We factor in where you launch, where you store the boat, and how far you tow it when we recommend coverage and carriers.

Our local insight helps you:

Understand how storm, hail, and wind risks can affect your boat coverage and deductibles
Decide whether to insure your boat for agreed value or actual cash value based on age and use
Choose liability limits that match your guest load, towing habits, and overall risk tolerance
Coordinate boat insurance with your home, auto, and umbrella policies for stronger liability protection
Consider navigation territories and seasonal use so your policy reflects where and when you actually boat

Boat and watercraft insurance in Texas doesn’t have to be complicated—or more expensive than it needs to be. While discounts vary by carrier and eligibility, we look for opportunities to help you protect your boat in a cost-effective way.

Home and auto insurance bundles that include boat or watercraft coverage
Multi-boat discounts when you insure more than one vessel with the same carrier
Savings for approved boating safety courses or certifications
Possible credits for clean driving and boating histories with few or no claims
Discounts tied to certain storage types, such as dry stack or secure marinas
Options to adjust deductibles thoughtfully rather than stripping away important coverage

We’ll compare different carriers and coverage structures side by side so you see more than just a premium number—you’ll see how each choice affects your protection on and off the water. Our goal is to help you feel confident that your boat insurance fits your vessel, your lifestyle, and your budget.

Does my homeowners insurance cover my boat or jet ski?
Homeowners policies may provide very limited coverage for small boats or certain types of equipment, but they typically don’t offer the full protection most boat and watercraft owners need—especially for liability on the water. In many cases, there are restrictions on boat size, horsepower, and where coverage applies. A dedicated boat or watercraft policy is usually the better way to protect both the vessel and your liability exposure.
Is boat insurance required in Texas?
Texas doesn’t require boat insurance in the same way it requires auto liability insurance, but marinas, lenders, or storage facilities may have their own requirements. Even when it’s not mandatory, most owners choose coverage to protect their investment and liability, especially on busy lakes and rivers. We’ll review any lender or marina requirements and help you choose coverage that satisfies them without adding unnecessary extras.
Where am I covered—on the water, in storage, or while towing?
Boat and watercraft policies are typically designed to protect you in multiple situations: while you’re operating the boat in approved waters, when it’s stored, and when it’s being towed by a covered vehicle. The exact details depend on the policy, including navigation limits and storage conditions. We’ll walk through where you boat, where you store the vessel, and how far you tow it so your coverage lines up with reality.
What information do you need to quote my boat or watercraft?
To provide accurate Texas boat insurance quotes, we’ll usually ask for details like the year, make, model, hull identification number (HIN), engine type and horsepower, any add-ons or upgrades, where the boat is stored, how and where it’s used, and who operates it. For personal watercraft, we’ll also want to know how many units you have and whether any young or occasional operators will be using them.
Are my passengers and their belongings covered?
Liability coverage can help if passengers are injured in a covered incident and you’re held responsible, while medical payments coverage may help with smaller injuries regardless of fault. Personal effects coverage can sometimes extend to passenger belongings as well, subject to policy limits and exclusions. We’ll review what’s included on your policy and discuss whether you need higher limits or additional coverage for frequent guests and gear-heavy outings.
Can I lend my boat to friends or family and still be covered?
Many policies provide coverage when you allow a permissive operator to use your boat, but there can be important conditions and exceptions—especially for younger or inexperienced operators. Some carriers may require named operators, or they may treat certain situations differently. We’ll explain how your specific policy handles other operators and help you set guidelines that keep your coverage intact.

Boat & Watercraft Insurance for Texas Owners

Presley Insurance Group helps Texas boat and watercraft owners protect their vessels, gear, and liability with coverage designed for the way you actually use the water—from quiet fishing trips to weekends on busy lakes.

Boat Insurance Texas Boaters Can Count On