Boat Insurance

Some boat owners do not have a boat insurance policy. These policies are very important. Boat insurance protects a boat and its owner in the event of a loss. The term boat encompasses all motorized water vehicles. This includes jet skis, yachts, pontoon boats, and fishing boats. Paddleboats, kayaks, and canoes are not covered on a boat policy. Your homeowner’s policy may provide some coverage. This insurance has typical coverage for your boat. It also has some specialized coverages you may not be familiar with.

Home + Vehicles

Life + Income

Business

Toys

Standard Boat Coverage

  • Collision
  • Comprehensive
  • Medical Pay
  • Uninsured Boaters
  • Bodily Injury and Property Damage Liability

Most companies offer the standard set of coverages as well as specialized coverage on boat policies. Special coverages can come in handy. Emergency towing and wreckage removal can be very expensive if you do not have the coverage included.

Specialized Coverages

  • Replacement cost personal effects – Your personal items are protected with this coverage. These items include cell phones, cameras, clothes, etc.
  •  Replacement cost fishing equipment – This replaces $10,000 for reels, rods, and tackle.
  • Disappearing deductibles – The deductible is decreased by 25 percent at each claim-free renewal.
  • Total loss replacement – This replaces your boat with a brand new one similar to your old boat.
  • Wreckage removal coverage
  • Emergency towing and labor – Supplies on-water towing service.
  • 24-hour roadside assistance – Covers tow vehicle and trailer

Total Loss Replacement

This is generally available on previously untitled boats. These boats are usually one model old. There are other boats that are insured for actual cash value or the agreed value. You need to make sure you understand your policy when you read it.

Wreckage Removal Coverage

The insurance company will pay reasonable costs for actual or attempted removal, rising, or destruction of the wreckage of an insured boat resulting from any loss. Physical damage coverage is provided, as well. The limit of liability varies. It varies based on whether you are legally required to remove, raise, or destroy the boat.

You can look for a simple boat policy to cover your boat. Ensure your agent knows what you want when you purchase your policy so that you are not paying extra money for your boat policy.

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Have always been helpful and easy to get in contact with.
J Smith
J Smith
Very nice staff and very quick to help with any needs I might have.
Emily Guzman
Emily Guzman
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
IIC has been our homeowner insurance provider for 40+ years. Mike and family have helped us through flood and wind all that time and I’m grateful for their support.
Sandy Horine
Sandy Horine
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
Jeffrey Lewis
I have done business with Independent insurance for 30 years and have been served well. They are dependable and will help you in any way they can.
Pam Waters
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
Gerald Enochs
Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
Tom Selleck
Tom Selleck
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
Ben Harris
Ben Harris
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
Debra Fischer
Debra Fischer
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Sherma T
Sherma T
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
Michelle Smith
Michelle Smith
saved me a lot of money and great service
nancy ferverda
nancy ferverda
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Amber Stavinoha
Amber Stavinoha
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Gladys Dekenipp
Gladys Dekenipp
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Karen Duston
Karen Duston
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
mike clawson
mike clawson
ALWAY BEEN THERE FOR US.
TERYXNRA
TERYXNRA
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
A Ernst
A Ernst
Got us the coverage we needed.
David Boren
David Boren
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
Bobby Guy
Bobby Guy
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Frances Huff
Frances Huff
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
patti369
patti369
Hometown business. Friendly staff
Patrick Butler
Patrick Butler

(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511