Texas Boat Insurance - Sugar Land, TX Area
The value of quality Texas boat insurance often doesn't
become apparent until you really need it. Whether it's a
minor dent or a more substantial accident, it pays to
have Texas boat insurance coverage you can count on.
Let our experienced Texas boat insurance specialist
explain the different Liability Limits, Comprehensive,
Collision, Medical Uninsured Boater coverages, and
deductibles that are available for you to choose from.
Texans Insurance & Financial Group of Sugar Land, TX
offers affordable Texas boat insurance policies from
leading insurance carriers serving the state.
Learn more about Texas Boat Insurance
coverage options below!
Click on the link below to fill out a secure quote request form for a Texas
Boat Insurance policy that will provide excellent insurance coverage for
your boat at an affordable cost. Or you can speak with our Texas Boat
Insurance agent specialist toll free at (800) 747-6140 to discuss the policy
features in more detail.
Covers the insured (you and occupants of your boat) for your bodily injury
caused by a hit-and-run boat driver or an at-fault boat driver who has no boat
liability insurance. This is not a required coverage for a Texas Boat Insurance
policy. Contact us to discuss what uninsured coverage amounts you require to
meet your family or personal needs.

Click on the link below to fill out a secure quote request form for a Texas
Boat Insurance policy that will provide excellent insurance coverage for your
boat at an affordable cost. Or you can speak with our Texas Boat Insurance
agent specialist toll free at (800) 747-6140 to discuss the policy features.
We are a Sugar Land, TX insurance agency offering lower cost Texas boat insurance policy
premiums in the following towns, cities and counties in southeast Texas: Meadows, Town
West, Four Corners, Crabb, Booth, Thompsons, Fresno, Manvel, Pleak, Kendleton, Eagle
Lake, Sandy Point, Beasley, Rosenberg, Richmond, Orchard, Fulshear, Juliff, Arcola,
Needville, Frydek, Rosharon, Bonney, East Bernard, Lissie, Elm Grove, Spanish Camp,
Wharton, Guy, Bellville, Wallis, Pasadena, Deer Park, Houston, Pearland, Galena Park,
Jacinto City, La Porte, Bellaire, West University Place, Cloverleaf, Beaumont Place, Spring
Valley, South Houston, Iowa Colony, Hilshire Village, Humble, Houmont Park,
Friendswood, League City, Alvin, Mission Bend, Stafford, Missouri City, Texas City,
Webster, Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff, La Marque,
Jersey Village, Lake Jackson, Surfside Beach, Algoa, Santa Fe, Barker, Katy, Sealy,
Dayton, Angleton, Freeport, Bammel, Kohrville, Bay City, Brenham, Addicks, Brookshire,
San Felipe, Hockley, Waller, Prairie View, New Caney, Beach City, Nassau Bay, North
Houston, Hempstead, Tomball, The Woodlands, Burr, Iago, Boling, Peters, Cat Spring,
Burleigh, Waller County, Wharton County, Brazoria County, Harris County, and Fort Bend
County, TX. We can also offer affordable Texas boat insurance policy premiums throughout
the Lone Star state, including in Beaumont, Austin, Waco, Fort Worth, Dallas, and San
Antonio, TX.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Texas Boat Insurance Info
Covers damage caused to the insured's boat from a collision caused by the operator
of the insured's boat, if they hit another boat, vehicle, or other object. The deductible is
the amount you choose to pay upfront (if any) before the Texas boat insurance policy
pays. The higher the deductible chosen the lower the collision coverage cost of the
Texas boat insurance policy.
Covers damage caused to the insured's boat (your boat) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the boat
insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost of the Texas boat insurance policy.
Texas Boat Insurance Info
Texas Boat Insurance Info
Injuries that you (insured) cause to someone else is covered under this part of a boat
insurance policy. Also damage caused by the insured (you) to someone else's
property, such as another boat or dock, is covered through personal liability boat
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum boat personal liability insurance coverage available for
purchase in Texas is $50,000 combined single limit. However, we recommend that
you choose liability insurance coverage amounts that are much higher than the Texas
minimums. Contact us toll free at (800) 747-6140 to discuss what liability coverage
amounts you require to meet your needs.

Texas Boat Insurance Info
Texas Boat Insurance Info
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801

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Texas Boat Insurance Policy Information
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Texas Boat Insurance Information
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Medical Payments Coverage pays doctor, hospital and surgical bills, up to the per
person limit you select. Claims against this coverage include all reasonable hospital,
surgical, chiropractor, X-ray, dental, professional nursing, and prosthetic expenses.
This coverage will pay for your medical expenses even if you cause the accident. This
coverage protects you, your family and anyone riding in your boat and anyone driving
your boat with your permission.
Texas Boat Insurance Policy Questions

Are boat insurance rates higher for new boat owners?

Boating experience is one of the factors incorporated into boat insurance rating. If you have little or no prior
boating experience, it's understandably difficult for an insurance carrier to judge your ability to operate a boat
safely. Therefore, first time boat owners can expect to pay more for boat insurance than an experienced
boater. Completing a boat safety course as a first time owner will demonstrate both a willingness and ability to
operate your boat safely and that can help to reduce rates.

Is there a difference between boat and yacht insurance?

A boat is usually classified as being 26 feet long or smaller, and a yacht is 27 feet and larger. As a longer
vessel, yachts often have larger navigational ranges, encounter a larger variety of hazards, so yacht insurance
tends to be more detailed and expensive than a smaller boat insurance policy.
Boat Insurance Considerations

Hull coverage protects the value of your boat or yacht. There are three primary types of coverage.

Replacement Cost
Under this policy type your totally destroyed 2008 model year boat will be replaced by the insurance company
with the same year and model boat in like condition or you will be given sufficient money to buy that same
year and model in like condition.

Agreed Value Contract
You are paid the boat insurance policy amount limit.

Actual Cash Value
The insurance carrier pays you the depreciated value of the boat.

If your boat sinks in a navigable waterway, you will be required to raise the boat and move it at your own cost
if you have not included this coverage in your Texas boat insurance policy. This can be a large expense so you
should consider the options when setting up your boat insurance policy parameters.

It's also important to remember that your Texas boat insurance will be voided if you travel outside the
specific navigation area that your boat or yacht is insured for. This is normally a warranty / guarantee on
most boat insurance policies. Study your insurance policy closely.