If you are searching for League City TX Boat Insurance, you are in the right place. Texas Insurance Agency is the company that aims to assist you in finding the perfect policy for you no matter what you are looking for. Contact us today to learn about our life insurance, home, auto, and many other policies we have to offer.
The Significance of Boat Insurance
Typically when dealing with boat insurance, there are two basic sections of a boat or yacht policy which includes both physical damage and liability. The physical damage portion will cover accidental loss or damage to the boat and all mechanical. This will not only cover the engine and the hull but also protects the sails, personal property, and other equipment on board that helps the boat to function.
On the other hand, the liability section which is also known as “Protection and Indemnity,” will protect your legal obligations to third parties. This legal liability covers bodily injury or the loss of life. It also protects you from costly repairs if you are in a situation where you damage someone’s property while operating the boat. Additionally, liability coverage also helps pay for your legal defense if you an individual sues you for an occurrence that may fall under your boat insurance policy.
Physical Damage and What Losses are Covered
Physical damage coverage usually pays for repairs to your boat that are needed as a result of impairment that is caused by a plethora of issues. The best policy to purchase is the “all-risk” coverage. That means that if the cause of loss is not excluded, it will be covered. Therefore, you can expect the following to be covered:
- Weather-related issues such as wind, rain, hail, and lighting, and wave turbulence
- Loss or damage as a result of theft or vandalism
- Collisions with docks
- Submerged or floating objects
- Other boats
It is suggested that you choose a policy that continues to cover your boat while it is stored on land. Additionally, the boat owner is responsible for maintaining their boat. Therefore, normal wear and tear may be excluded under a boat or yacht policy. Keep in mind, that the number and type of physical damage exclusions typically vary from company to company. That is why you need our guidance to help you compare policies to prevent surprises in the future.
Texas Insurance League City TX Boat Insurance
Although boat insurance is not a legal requirement in the state of Texas, it is still quite beneficial. No matter the size of your boat, it is significant to have the proper boat insurance and damage coverage policy. This helps to protect you, your crew, and your property. Texas Insurance Agency is an independent insurance agency serving Katy and Fulshear communities. We strive to collaborate with several boat insurance and damage coverage providers to help get your watercraft covered at the best price.
It is very important that you maintain boat insurance and damage coverage on your boat all year long. No matter where you have it stored, protecting your boat against the unexpected is very important. Here at Texas Insurance, we provide the following types of coverage: Property Coverage, Liability Coverage, Repair Cost Coverage, and Uninsured Watercraft Coverage, and Watercraft Medical Payments Coverage.
Contact us today to receive a free quote and learn more about all we have to offer here at Texas Insurance Agency.
Being out on the open water can really be refreshing. Especially if you are spending it with the people love and care about. Although boating can be a lot of fun, it is essential to make safety your top priority. Therefore, here are a few tips to keep in mind the next time you hit the waves.
Be sure that everyone on your boat has access to a life jacket that fits them. A lot of regulations vary state to state but children under 16 and all watersports rides should be wearing a life jacket on the water.
Boating Courses are Essential
New boaters and experts need to be familiar with all boating regulations of the road. Typically boating safety courses are offered locally, are inexpensive, and only take a day to complete in-person or online.
Take Your Boat to Receive a Free Vessel Safety Check
Entities like the U.S. Coast Guard Auxillary and U.S. Power Squadrons provide complimentary boat examinations. There, they will verify the presence and condition of particular safety equipment that is required by the state and federal regulations. Additionally, free of charge they offer virtual vessel exams.
Follow a Checklist Before Departure
Using a checklist is a great way to ensure that you have all the needed gear and resources necessary on the water.
It is always crucial that you check the weather and water conditions for your route and destination. Of course, you don’t want any surprises while on out on the water.
If you are the “Captain of Your Ship” you should never operate a boat while intoxicated. This is actually illegal and almost half of all boating accidents involve alcohol. Be sure to designate a sober skipper before departing.
Be sure to keep fresh air circulating throughout the boat. Educate all passengers about the fatal symptoms of CO poisoning where this element accumulates.
Contact us Today!
Texas Insurance Agency wants you to be protected no matter what aspect of your life you need to be covered. Therefore, stop searching for League City TX Boat Insurance, and give us a call today to learn about the many policies we have to offer.
League City, TX Fun Facts
- Third largest boating anchorage in the United States
- One of the top 10 smartest cities in Texas and 99 among the smartest cities in the United States with a population between 50,000 and 99,000 by The Business Journals’ On Numbers in 2009
- Best Small Cities in America by Money Magazine in 2006
- For more information or fun facts, search League City, TX.