Do I Need Boat Insurance in Katy, TX?

Picture this: it’s a beautiful hot day, and you are cruising in the waters with soft music playing in the background. From your boat, you can see the stunning sceneries that Texas State has to offer. That’s the dream, right? Nothing tops exploring the waters with your boat.

But hold on. Before you get there, you need to think about boat insurance from the All Around Insurance Agency of Katy, TX. Yes, if you want to have peace of mind in the waters, let boat insurance float with you.   

If you have been boating without watercraft insurance, here are the reasons you should give boat insurance a second look. 

Physical damage coverage

Your boat can sustain damage while on the water, in the garage, or when being towed. Thankfully, collision and comprehensive coverages pay you for damages to your boat resulting from perils like collisions, fire, theft, vandalism, and natural calamities. 

Liability coverage

When using your boat, you can cause physical damage or bodily injuries to third parties. Without boat insurance, you may have to incur out-of-pocket expenses to cover third-party liability claims. However, when you have invested in boat insurance, such liabilities don’t have to worry you so much.

Medical costs coverage

If you or your passengers incur physical injuries in a boating accident, your boat insurance caters for medical expenses, regardless of who is responsible for the accident. This coverage shields you from worrying about medical costs instead of focusing on your recovery.

It may be required

While boat insurance isn’t mandatory in Texas, your lender may require you to purchase basic boat insurance to protect their financial interests.

Buy boat insurance today in Katy, TX!

Whether you own sailing, fishing, or personal watercraft, you need boat insurance from the All Around Insurance Agency to protect your investment. Ready to get started? Don’t hesitate to get in touch with us today for a competitive quote.