With Lewisville Lake right in our backyard, many households in The Colony, Little Elm, Frisco, and Lewisville spend their weekends on the water. We help boat owners review watercraft insurance options in plain language.
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Homeowners and auto policies generally have very limited provisions for watercraft. A dedicated boat policy is structured specifically for life on the water, storage, and towing. An agent can walk you through the details of a specific policy.
Watercraft liability generally addresses bodily injury or property damage caused to others in a boating accident, up to the policy limits. Medical payments options generally address medical expenses for passengers injured on the boat.
Physical damage options generally address collision with another boat or submerged object, as well as storm damage, fire, or theft affecting the hull, permanent equipment, motor, and boat trailer, subject to policy terms and deductibles.
Many watercraft policies offer optional endorsements for onboard equipment, fishing tackle, water sports gear, and on-water towing or assistance if your boat becomes disabled on the lake.
Lewisville Lake is right beside The Colony and Little Elm, so many local owners keep a pontoon, bass boat, runabout, or wake boat at a nearby marina or storage lot, or tow it to other Texas lakes on weekends. Where you keep your boat and how you store it during North Texas spring hail season are helpful details to discuss with an agent.
Whether you are buying your first boat or preparing for another season on Lewisville Lake, our office can review your options alongside the rest of your household's policies.
If you are financing a boat or buying from a dealer or private seller, we can review the year, make, length, and motor size and discuss hull and liability options before you launch.
Marinas around Lewisville Lake often require boat owners to carry a specific watercraft liability limit and provide a certificate or proof of insurance for the slip agreement.
If you tow your boat with a pickup or SUV and store it in your garage or a local storage facility, we can review your auto, home, and boat policies together in one office.
You can send these details by text or share a photo of your current watercraft declarations page before your consultation.
These answers provide general information for Texas boat owners. A licensed agent at our office will walk you through the terms of any specific policy.
Text us your boat's year, make, length, and where you keep it, call our office in The Colony, or use our short question form.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. See our Terms of Service and Privacy Policy.