At Misty Emmons Insurance Agency, we're committed to bringing you innovative insurance solutions that stay in-synch with your ever-changing life. When you take to the water, protect your family, guests and your investment with the very best in marine insurance. Our boat programs are some of the most flexible boat programs available, designed to provide even greater, more cost-effective protection...
- 12-month coverage with no mandatory lay-up period
- Broad navigation territories covering the continental U.S. and Canada are available
- Coverage up to 30 days may be available for most newly acquired boats' purchase price
- Marine claim experts available to assist you anytime
The right Texas boat insurance policy can save you money now and into the future. GET A QUOTE
Texas ocean coastline is the sixth-longest in the United States, and also holds the sixth place for the largest number of registered boats in America. Major rivers define three state borders, and this state is also full of natural and manmade lakes, streams, and bayous. Any Texan who owns a boat should obtain insurance coverage for it.
A Misty Emmons Insurance Agency agent can evaluate your unique requirements and suggest sensible policy options. They will find the best policy whether you are operating a commercial shrimp boats off of Galveston Island or you are a Beaumont resident who pulls their bass boats, sailboats, or kayaks out of storage a few times a year. Boat insurance premiums will depend on the value of the watercraft, the way it is used, deductibles, your preferences, and other factors.
Misty Emmons Insurance Agency can supply you with free Texas boat insurance quotes from multiple companies. Contact us today to get a list of quotes for your speedboat, pontoon boat, yacht and virtually any other watercraft on the market today.
Texas Boat Insurance Facts and Costs
- Insurance for personal boats may cost less than $1 a day
- Estimated average cost for personal boat insurance is between: $300 to $500 a year
- Typical boat policies include these deductibles: $250 for property damage, $500 for theft, $1,000 for medical payments
- Liability limits may start at $15,000, but can be increased
Physical Damage coverage. Provides protection in the event of a collision with a submerged object or another boat.
Liability coverage. For bodily injury or damage to the property of others.
Personal Property coverage. Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras, and other personal items.
Towing and Assistance coverage. To transport your boat to a repair facility when it's inoperable and you're stranded. Gas delivery for boats and roadside assistance are also available.
Flexible Pricing Programs
You choose. Agreed Value or Actual Cash Value coverage. Agreed Value entitles you to the "replacement value" on most partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual Cash Value earns you a substantial premium discount. In the event of a loss, the settlement is based upon a depreciated value.
Education Discounts Up to 10 Percent. For safe boating courses, including Power Squadron and U.S. Coast Guard - 5 percent per boat for basic courses, 10 percent per boat for advanced.
Equipment credits. Available for safety equipment such as built-in fire extinguisher systems and burglar alarms.