Boat Insurance FAQs

Boating is a popular pastime in Huntington, TX. It’s a great way to get away from the hustle and bustle of the city and beat the Texas heat. However, before you hit the water, you must have the proper insurance coverage. At Integra Insurance Services, we offer insurance for many types of boat and watercraft. 

What Does Boat Insurance Cover?

This depends on the type of policy you have. 

Basic coverage options include:

  • Collision (damage to your boat)
  • Property damage liability (damage to another’s boat or property)
  • Bodily injury liability (covers other party’s medical expenses)
  • Comprehensive (covers damage that doesn’t happen on the water)

Does Home Insurance Cover My Boat?

Your homeowner’s policy likely provides some protection for your boat, but it may not be enough to cover the damages. Some policies only cover the boat when it is on your property, not when it’s on the water. In most cases, your homeowner’s policy doesn’t provide the coverage you need for your boat.

Sinking and Wreckage Removal

This is an important aspect of a boat insurance policy. If your boat sinks or wreckage has to be retrieved, the cleanup can be expensive. It’s recommended that you have a policy that covers sinking and wreckage removal. 

What’s the Difference Between Comprehensive and Collision?

Comprehensive and collision together will protect your boat from most types of damage. Collision means that your boat is on the water and collides with another object. This could be a dock, another boat, or rocks. Comprehensive coverage is for incidents not related to the use of your boat. If it is damaged during storage, for example. 

If you own a boat or watercraft in Huntington, TX,  contact Integra Insurance Services. We can provide the policy that best suits your needs, so you can enjoy your time on the water worry-free.