Watercraft & Boat Insurance in Fort Worth, TX
Boat insurance isn’t just a financial safety net; it can be your lifeline on the water. Whether you’re cruising along serene lakes or braving the open sea, protecting your vessel is essential to worry-free voyages. At Cornerstone Independent Insurance Agency LLC, we specialize in tailored insurance for boat owners in Fort Worth, TX. Contact us today to get a quote.
What Is Boat Insurance and What Does It Cover? 
Boat (or watercraft) insurance offers coverage to safeguard boat owners from financial setbacks stemming from accidents, theft and liability concerns on and off the water. Forgoing this insurance exposes you to substantial risks, such as shouldering the burden of repairs or dealing with liability claims arising from accidents alone. These risks may lead to financial strain and the potential loss of your valued watercraft.
Coverage may vary depending on your needs and preferences. However, a standard boat policy commonly offers the following coverages:
- Liability coverage—This may help cover expenses if your boat causes damage to another person or their property.
- Medical payments coverage—This may help cover medical expenses if you or a passenger gets injured on your boat.
- Boat insurance property coverage—This may help insure your boat from various risks and potential incidents by covering costs related to perils such as collisions, theft or vandalism, depending on chosen coverage and specific policy details.
- Uninsured watercraft coverage—This may help cover expenses if an uninsured boater collides with your vessel and causes damage or injury to you or your passengers.
- Emergency services coverage—This coverage may offer assistance if you’re on the water and experience an emergency, such as requiring a tow to the harbor.
How Much Is Boat Insurance in Texas?
The cost of insurance in Texas may vary depending on several factors, including the type of watercraft, its value, usage and desired coverage limits. Factors such as your boating experience, maritime area and safety features onboard also influence premiums. Our dedicated agents can help you find competitive rates tailored to your needs and budget.
Is Getting Boat Insurance Worth It?
Absolutely. Investing in boat insurance offers numerous benefits for boat owners. It offers crucial financial protection against accidents, theft and liability issues, ensuring you’re not left with hefty repair bills or legal expenses.
Protect Your Boat Today
Don’t let uncertainties dampen your boating adventures. Trust Cornerstone Independent Insurance Agency LLC to keep you covered every nautical mile of the way.