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Texas

Texas
Boat & Watercraft Insurance

Texas keeps hundreds of thousands of boats registered and its lakes packed every summer weekend. Whether you fish East Texas coves, pull skiers on Lake Travis, or run offshore out of Galveston, Harvey Insurance writes coverage matched to your water and your boat.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Different Water, Different Policy

A bass boat on Lake Fork, a pontoon on Canyon Lake, a wake boat on Lake Austin, and a center console running the jetties out of Port Aransas do not carry the same risk, and they should not carry the same policy. Where you launch changes everything — saltwater corrosion, crowded holiday traffic, on-water breakdowns, and the liability of a wake in a busy cove. We build watercraft coverage around your boat, your home water, and how far you take it.

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What’s Covered

Watercraft Coverage From Dock to Open Water

We work with marine carriers rather than tacking a boat onto a homeowners policy — so hull, liability, and the on-water realities are covered properly.

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Hull & Physical Damage
Repairs or replaces the boat, motor, and rigging after collision, storm, fire, sinking, or theft — written on an agreed-value or actual-cash-value basis you choose up front.
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Watercraft Liability
Covers injury and property damage you’re responsible for on the water — a serious exposure on a crowded Texas lake where wakes, tow lines, and swimmers share the same cove.
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On-Water Towing & Assistance
A dead motor miles from the ramp gets you a tow, jump, or fuel delivery on the water — not a bill for a commercial salvage boat you didn’t plan for.
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Trailer & Transport
The trailer that hauls the boat down I-45 is insured for its own damage and theft, closing a gap most people never think about until a blowout on the highway.
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Personal Effects & Fishing Gear
Rods, reels, electronics, tubes, and life jackets aboard the boat are covered — tackle and gear that add up fast and fall outside a standard hull limit.
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Fuel Spill & Wreckage Removal
If your boat sinks or spills fuel, the law can make you pay for cleanup and removal. This coverage handles those costs, which can dwarf the value of the boat itself.
Across Texas

From bass boats to blue water

The watercraft Texans bring us across lakes, bays, and the Gulf:

Fishing & Bass

Rigs & Center Consoles

Bass boats and bay rigs get coverage that protects the electronics, trolling motors, and tackle that often cost more than the hull itself.

Pontoon & Ski

Family & Tow Sports

Pontoons, deck boats, and wake boats carry heavy passenger and tow-sport liability, so those policies lean hard on liability and medical limits.

PWC & Sail

Jet Skis & Sailboats

Jet skis, WaveRunners, and sailboats each ride differently on the water — from high-speed PWC theft risk to a sailboat’s mast and rigging value.

Why Harvey Insurance

Local agents who know the lakes

Buying boat coverage online means guessing. Buying it here means talking to someone who understands Texas water.

01

Marine-Specialist Carriers

We place your boat with insurers who write watercraft for a living, so agreed value, lay-up credits, and navigation limits are handled the right way — not squeezed under a home policy’s tiny watercraft sub-limit.

02

Freshwater or Salt

Lake, bay, or offshore — we set navigation territory and coverage to where you actually run, and flag the saltwater and hurricane exposure a Gulf-Coast boat carries that an inland one doesn’t.

03

Claims Handled by People

When a storm or a sunken boat turns your summer sideways, you reach the agency that wrote the policy — a local team that walks the claim with you instead of a call center script.

Client Reviews

Real people. Real results.

FAQ

Common questions about boat insurance

Is boat insurance required in Texas?
The state doesn’t broadly mandate it, but it’s rarely optional in practice: marinas require liability to rent a slip, lenders require full coverage on a financed boat, and the liability exposure on a crowded lake is real no matter what the law says. On a summer weekend on Texas water, going uninsured is the expensive gamble.
Doesn’t my homeowners policy already cover my boat?
Only barely. A homeowners policy typically caps watercraft at a low limit — often a few thousand dollars for physical damage — and excludes most liability once the boat leaves your property. Anything with real horsepower or value needs its own marine policy to be covered properly.
What’s the difference between agreed value and actual cash value?
Agreed value fixes the payout for a total loss up front, so you’re paid that figure without a depreciation argument. Actual cash value pays what the boat is worth at the time of loss, minus depreciation — cheaper premiums, smaller checks. We help you weigh the trade-off for your boat’s age and value.
Are jet skis and personal watercraft covered the same way?
They’re written on their own policies, and the risk profile is different — PWCs are stolen and flipped more often and carry heavy liability for their speed and close-quarters use. We can insure them separately, or alongside a boat and your other specialty policies, usually with a multi-unit discount.
Does the policy cover my boat trailer?
It can, and it should. We add coverage for the trailer’s own damage and theft so a highway blowout or a stolen trailer isn’t an uninsured loss — something a boat-only policy leaves out by default.
Am I covered offshore or only on lakes?
That depends on the navigation territory in your policy. Inland-lake coverage won’t follow you into the Gulf, so if you run the bays or fish offshore we set the territory and add the saltwater and hurricane considerations that open water demands.
How much does boat insurance cost in Texas?
Where the boat runs matters as much as what it is worth. A bass rig on an inland lake and a similarly valued cruiser working the bays are not priced alike, because the navigation territory carries different rescue, salvage and storm exposure. Hull age, motor horsepower, and whether the boat sits on a trailer or in the water fill in the rest.
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Other specialty coverage we write

Toys on land as well as water? Here’s the rest of what Harvey covers.

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Motorcycle Insurance
Liability, uninsured-motorist, comprehensive and accessory coverage built for Texas riders.
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RV & Motorhome Insurance
Liability, physical damage, contents and full-timer coverage for motorhomes and trailers.
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Classic & Collector Car Insurance
Agreed-value coverage that pays what your classic is worth — not a depreciated book value.
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ATV & Off-Road Insurance
Liability, comprehensive, theft and accessory coverage for ATVs, UTVs and side-by-sides.
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All Specialty Insurance
The full specialty lineup in one place — plus jewelry, collectibles, fine art, and the items that don’t fit a standard policy.

Ready to get your boat covered?

Premiums depend on the boat, its value, and where you run it — same-day quotes from a local Texas agent.

Sales
(469) 513-3379
Email
sales@harveyinsurance.co
Location
Addison, TX — Serving TX, OK & AR
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Coverage Areas

Serving All of Texas

We insure boats and watercraft across the entire state of Texas — the DFW-area lakes, Hill Country reservoirs, East Texas fishing waters, and the Gulf Coast bays and passes.

Where Texans boat

We write boat & watercraft coverage across all of Texas — these are simply some of the lakes and coastal communities we’re asked about most. Don’t see your town? We almost certainly cover it too.

Azle Baytown Canyon Lake Clute Conroe Corpus Christi Denison Dickinson Freeport Galveston Granbury Grapevine Ingleside La Porte League City Lewisville Little Elm Marble Falls Mineral Wells New Braunfels Port Aransas Port Lavaca Portland Rockport Rockwall Rowlett Seabrook Texas City The Colony Willis