Central Texas lake days are made for making memories—not unexpected insurance surprises. Many boat owners assume their homeowners insurance covers their boat, but that’s only partially true.
Most homeowners policies provide very limited coverage for small boats and may offer minimal protection for theft or damage. However, they typically exclude larger boats, high-value watercraft, personal watercraft, motors above certain horsepower limits, racing, and most on-the-water liability claims.
A dedicated boat insurance policy provides broader protection for your investment. Depending on your policy, coverage can include physical damage to the boat, motor, trailer, navigation equipment, theft, vandalism, storm damage, and even emergency assistance.
Just as important is watercraft liability coverage, which helps protect you if you’re responsible for injuries to others or damage to another boat, dock, or property while operating your vessel. Medical payments coverage and uninsured boater protection may also be available.
Don’t forget about storage and transport risks. Damage while your boat is stored, hauled on a trailer, or transported to your favorite Central Texas lake isn’t always covered by a homeowners policy. A dedicated boat policy can help fill those gaps. Whether you’re heading to Canyon Lake, Lake Travis, or Lake LBJ, the right boat insurance helps keep your adventures afloat. Before launching this season, let Dowd Insurance Agency review your coverage so you can enjoy the water with confidence.
