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Boat Insurance in Waco, TX

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.

Boat insurance in Waco, TX: 24 licensed insurance agencies serve 145,341 residents in McLennan County. auto premiums average $1,730 per year — 5% below the Texas state average. wind + hail drives 55% of homeowner claims.

24 boat insurance agencies in Waco

Within 15 miles of Waco, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 0.0 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +210+ agents
F Listed
Freeway Insurance
4.8 · 262 reviews on Google

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage. The Waco, Texas location provides support for policy questions via phone and online quotes, serving customers across all 50 states.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Waco, TX· 1.0 mi
Carriers: Confie (parent MGA), Progressive County Mutual +43-5 agents
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H Listed
High & Associates Inc
3.8 · 4 reviews on Google26 yrs in business

High & Associates, Inc has been serving clients since 2000 as a full‑service independent insurance agency. They provide individualized advice and solutions for a range of insurance and risk management needs. Their professionals bring over 25 years of experience and work for the client, not the insurance carriers.

AutoBoatCommercial GLHomeowners+4 more
Hewitt, TX· 5.7 mi
Carriers: AMFIRST INSURANCE COMPANY, AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE +10610+ agents
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H Listed
Higginbotham - Waco
4.8 · 5 reviews on Google20 yrs in business

Welcome to Higginbotham in Waco, your trusted partner for insurance and employee benefits solutions. At Higginbotham we believe in delivering tailored services that meet the unique needs of each client, providing personalized and values‑driven service across personal and business lines.

AutoHomeownersRentersLife+7 more
Woodway, TX· 5.0 mi
10+ agents
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F Listed
Freeway Insurance
4.8 · 313 reviews on Google

Freeway is a nationwide insurance retailer that helps customers obtain auto, homeowners, renters, life, motorcycle and boat insurance among other products. The site offers an online quote tool and lists phone numbers for assistance. It serves all 50 U.S. states and provides a range of insurance options.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Waco, TX· 2.9 mi
Carriers: Confie (parent MGA), Progressive County Mutual +43-5 agents
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A Listed
A-MAX Auto Insurance
4.2 · 121 reviews on Google

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Waco, TX· 1.4 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
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A Listed
A-MAX Auto Insurance
4.3 · 134 reviews on Google

A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top-rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more - all while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Waco, TX· 3.0 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
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S Listed
State Farm Insurance
4.8 · 2 reviews on Google104 yrs in business

State Farm is a nationwide insurance and financial services company offering a wide range of products such as auto, home, renters, life, boat, and motorcycle insurance. Since its founding in 1922, the company emphasizes personalized protection and community involvement, serving millions of customers across the United States.

AutoHomeownersRentersCommercial GL+6 more
Hewitt, TX· 6.5 mi
Carriers: State Farm10+ agents
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A Listed
A-MAX Auto Insurance
3.9 · 186 reviews on Google

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400 plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Waco, TX· 1.1 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
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K Listed
Kalynn Tindall - State Farm Insurance Agent
4.9 · 233 reviews on Google

Kalynn Tindall is a State Farm insurance agent serving Waco and surrounding Texas communities. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance and focuses on personalized service and community involvement.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Hewitt, TX· 0.7 mi
Carriers: State Farm1-2 agents
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B Listed
Baker and Carey Insurance Agency
4.9 · 179 reviews on Google58 yrs in business

Baker & Carey Insurance is a locally owned, family‑run agency in Central Texas serving Waco and surrounding areas since 1968. They focus on personalized insurance solutions for families, offering a range of products through independent carrier partnerships.

AutoBoatCommercial GLHomeowners+2 more
Waco, TX· 1.2 mi
Carriers: ASI Lloyds, Allmerica Financial Alliance Insurance Company +201-2 agents
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A Listed
A-MAX Auto Insurance
4.4 · 151 reviews on Google

A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top-rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLHomeowners+2 moreSpanish
Waco, TX· 4.4 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
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C Listed
Cathy Hammond - State Farm Insurance Agent
4.8 · 36 reviews on Google26 yrs in business

Cathy Hammond is a State Farm agent in Waco, Texas, with over 26 years of industry experience and her own office since 2021. She serves the Waco‑McLennan County area and surrounding Texas regions, offering a range of insurance products in English and Italian. The agency is known for a high customer rating and community involvement.

AutoBoatCommercial GLHomeowners+4 moreItalian
Hewitt, TX· 0.5 mi
Carriers: State Farm1-2 agents
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P Listed
Pronto Insurance
4.8 · 278 reviews on Google

Pronto Insurance provides affordable, fast and reliable coverage across Texas, specializing in auto, home, renters and business insurance. They partner with over 30 carriers to offer competitive rates and a range of services including SR‑22, surety bonds, roadside assistance and windshield repair.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Waco, TX· 1.9 mi
Carriers: Pronto Lloyds / Pronto Casualty, Progressive +81-2 agents
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A Listed
A-MAX Auto Insurance
4.0 · 4 reviews on Google

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Waco, TX· 3.1 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
View profile
S Listed
State Farm Insurance Agent
4.8 · 9 reviews on Google104 yrs in business

State Farm is a nationwide insurance provider founded in 1922, offering auto, home, renters, life, health, and business insurance along with banking services. It serves millions of customers through a network of 19,000 agents.

AutoHomeownersRentersMotorcycle+7 more
Hewitt, TX· 4.7 mi
Carriers: State Farm
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B Listed
Brian Wenzel - State Farm Insurance Agent
4.8 · 44 reviews on Google38 yrs in business

Brian Wenzel and his team focus on home, auto, life, and business insurance in Waco, Texas and surrounding areas. With over 38 years of experience as a State Farm® Insurance Agent, they prioritize developing lasting relationships with customers.

AutoBoatCommercial GLHomeowners+4 more
Woodway, TX· 5.1 mi
Carriers: State Farm1-2 agents
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M Listed
Matt Dill - State Farm Insurance Agent
4.9 · 351 reviews on Google18 yrs in business

Matt Dill State Farm is a local insurance agency in Waco, Texas offering a wide range of personal and business insurance products. The agency has been serving the community since opening its doors in March 2008 and operates as a State Farm licensed agent.

AutoBoatCommercial GLDisability+5 moreSpanish
Waco, TX· 6.2 mi
Carriers: State Farm1-2 agents
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C Listed
Clint Allen - State Farm Insurance Agent
4.9 · 635 reviews on Google7 yrs in business

Clint Allen State Farm Agency in Hewitt, Texas offers a full suite of insurance options—including auto, homeowners, renters, commercial, life, motorcycle, and boat coverage—focused on personalized service and strong community ties.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Woodway, TX· 6.7 mi
Carriers: State Farm1-2 agents
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S Listed
Shivers & Associate Insurance
4.8 · 34 reviews on Google48 yrs in business

Shivers & Associates Insurance is an independent agency in Waco, Texas, serving the community since 1978. They provide personal and business coverage, focusing on auto, home, commercial and boat insurance while emphasizing local knowledge and personalized service.

AutoBoatCommercial GLHomeowners+2 more
Waco, TX· 5.7 mi
Carriers: Aegis Security Insurance Company, Agricultural Workers Mutual Auto Insurance Company +511-2 agents
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D Listed
David Wilson: Allstate Insurance
4.8 · 202 reviews on Google22 yrs in business

David Wilson has been in the insurance industry since 1982 and opened his Allstate agency in Waco in 2004, later adding a second location in Corsicana in 2008. He serves the Waco, Hewitt, and Woodway communities, offering a range of personal insurance products and active community involvement. Wilson emphasizes helping families protect what matters most, from auto and home coverage to life and retirement planning.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Woodway, TX· 6.1 mi
Carriers: Allstate1-2 agents
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T Listed
Traci Plemons - State Farm Insurance Agent
4.8 · 72 reviews on Google

Traci Plemons is a State Farm insurance agent serving Waco, TX and surrounding areas, offering auto, homeowners, renters, life, motorcycle and boat insurance, as well as personal articles, health and pet coverage. The agency focuses on personalized service and is available 24/7 by call or text.

AutoBoatCommercial GLHomeowners+4 more
Woodway, TX· 6.0 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm Classic Insurance Company +51-2 agents
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I Listed
Insurance Agent Reece Flood
4.8 · 4 reviews on Google26 yrs in business

High & Associates, Inc, founded in 2000, is a full‑service independent insurance agency offering personalized advice and solutions. They provide a range of insurance options including home, auto, commercial, life, disability, and specialty lines while emphasizing client‑focused service.

AutoBoatCommercial GLDisability+5 more
Woodway, TX· 5.7 mi
License on file (TDI)
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T Listed
Tim Sherwood: Allstate Insurance
4.3 · 55 reviews on Google

Tim Sherwood is an Allstate insurance agent serving Waco, Texas. He offers auto, homeowners, renters, motorcycle, boat, and life insurance and emphasizes personal relationships with the community. He helps clients find coverage that fits their lifestyle and budget.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Hewitt, TX· 3.6 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +131-2 agents
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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.