Boat Insurance in Texas
Boat insurance covers liability, hull damage, theft, and on-water assistance. Texas does not require boat insurance by law, but most marinas and lenders do. Coverage often extends to trailers, on-board electronics, and fishing equipment.
Top Texas Cities for Boat Insurance
Top Boat Insurance Agencies in Texas
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Independent Insurance Center, Inc. (IIC) is a Texas‑based independent agency with over 100 years of experience serving businesses and individuals. They offer personal and commercial insurance solutions, including property, auto, farm, boat and specialty coverage, backed by a team of experienced agents.
Welcome to the Richard Munoz State Farm Insurance Agency! Since 2009, we have been dedicated to meeting all your insurance needs. We offer a wide range of insurance options, including Auto, Homeowners, Condo, Renters, Life, Health, Business Owner's Insurance and Financial Services.
We hope you will Run With The Pack in 2026. Our mission is to help people make informed decisions about their insurance plans. My team has been helping our neighbors in the Lone Star State since 2009.
Independent Insurance Center Inc. (IIC) is one of the oldest full‑service agencies in the San Antonio area, trusted by Texas since 1883. The Boerne branch offers a wide range of personal and commercial insurance solutions with a focus on exceptional customer service.
Amy Maddox has been in insurance since 2000 and opened her agency in 2003 in Cedar Park, TX. She and her team offer auto, home, business, boat and other insurance needs, serving Cedar Park and surrounding areas.
Jarrodd Little State Farm Agent office in Cedar Park, TX has served the community since 2010. As a second‑generation State Farm agent, he provides personalized insurance coverage and emphasizes excellent service. The team focuses on building lasting relationships with customers.
Shaffin Wegener is a State Farm agent in Temple, Texas, ranked among the Top 100 State Farm agents nationwide. The family‑owned agency offers auto, homeowners, renters, life, commercial, motorcycle and boat insurance, emphasizing fast, personal service. They serve the local community with multiple contact options and a strong online presence.
With the Story Insurance Team, we help you safeguard everything you’ve worked hard to achieve. Our mission is to protect you and your family from the unexpected—so you can focus on living your dreams.
Ryan Torres State Farm is a local Leander insurance agency offering auto, home, renters, life, business, and other insurance products. They serve Leander, Liberty Hill, and Williamson County with a focus on customer service and community involvement.
TWFG Services is a central Texas insurance agency offering auto, home, health, life, and commercial coverage. With 28 years of experience they emphasize competitive rates, personalized service, and local expertise. They serve the Austin, Pflugerville and Round Rock areas.
Mark Saunders opened his own Allstate agency in 1997 and provides personal insurance services in Round Rock and surrounding areas. He offers auto, homeowners, renters, motorcycle, boat and life insurance, emphasizing neighborly, personalized service. The agency is backed by Allstate and serves English‑speaking customers.
Frequently Asked Questions
Is boat insurance required in Texas?
Not by state law. Marinas often require liability coverage as a slip rental condition, and lenders require full coverage on financed boats.
What does it cover?
Liability for injury to others, hull damage from collision or grounding, theft, and on-water emergency assistance. Many policies include trailer coverage and personal effects on board.
Does my homeowners policy cover my boat?
Homeowners covers small watercraft (often under 25 horsepower) on a limited basis. Anything larger needs a dedicated boat policy.