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

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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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BIG Revelations from

other customers

Customer service was excellent,Jovan knew his products well.
mark dollinger
mark dollinger
Jovani was excellent at helping find insurance at an acceptable price
lilqik
lilqik
Very prompt response to my request for insurance for homeowners and windstorm coverage as well as car insurance. I highly recommend this team!
Kate Linkins
Kate Linkins
The staff at Independent Ins Counselors are very knowledgeable and nice. They found us the best quote/policy for our family. I would definitely recommend them to others !
Rainbeaux Sneaux
Rainbeaux Sneaux
Very nice and helpful staff. Ms. Betty has the most understanding and soothing voice of a loving grandma and thorough explains all you need to know.
Stacey Boyd
Stacey Boyd
Hello yes, I would like to say that jovani who helped me there with my policy and helping me and my husband get a great quote was awesome. He saved us so much money that we are thankful.Were so glad that we switched.Thank you jovani
Elisha Robinson
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
J Smith
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
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
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(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511