Personal and Commercial Texas Auto Insurance Specialist
Collision Coverage - pays for the damages incurred to your boat (regardless of whom is at-fault) during an accident with another boat or non-living object. Fishing Equipment Coverage - pays for loss or damage of fishing equipment. If theft was involved, visible evidence of forced entry in order to support theft occurred. Fuel Spill Liability - this coverage is automatically included in your Bodily Injury/Property Damage Liability. This protection pays for property damages or bodily injury caused by an unintentional oil or fuel spill for which the insurer was at fault. The insurer selects the limits of liability coverage of this policy.
Comprehensive Coverage - pays for damages to your boat by a non-collision event. Some examples include: flood, fire, and theft, etc.
Uninsured Boaters Insurance - just like with auto insurance, this protects you in the event that your boat is damaged by someone operating a boat without adequate liability insurance coverage.
Replacement Costs of Personal Effects - pays for the loss or damage to your personal effects (cell phones, binoculars, portable radio) on the insured vessel. Coverage is up to $5000 per incident and $1000 per item loss or damaged. There is a $250 deductible per each personal effect.
On Water Towing and Labor - reimburses up to $1000 for towing and labor services during the disablement of your boat while it is in the water.
Roadside Assistance - automatically included in most of our policies at no charge. It pays for service or towing to a qualified repair service facility.
Fuel Spill Liability - this coverage is automatically included in your Bodily Injury/Property Damage Liability. This protection pays for property damages or bodily injury caused by an unintentional oil or fuel spill for which the insurer was at fault. The insurer selects the limits of liability coverage of this policy.
Wreckage Removal - this coverage is automatically included as part of the comprehensive and collision portion of the policy. It pays for reasonable cost incurred with removal or destruction of wreckage of the boat listed on the policy.
Mexico Physical Damage - this portion is included as part of the comprehensive and collision coverage. It pays for losses incurred in Mexico and 50 miles beyond its coast.
Water Sports - is a coverage that is included in the Bodily Injury/Property Damage portion of the policy. It pays for bodily injuries and property damages that incurred while being towed by the insured watercraft such as water skiing.
Coastal Navigation - coverage to the insured boat on all inland lakes, rivers and waterways throughout the United States and Canada.
Personal WaterCraft Insurance
Is it part boat, part motorcycle - that's how some people describe it. However you chose to describe it, a personal watercraft (PWC) is exhilarating and can be enjoyable for the entire family. Also known as the Sea - Doo, WaveRunner, and the Jet Ski. There is a great deal of responsibility that goes along with operating a PWC. There is a safety responsibility in which many states require safety training for those planning to operate a PWC. There is also liability responsibility in the event you are responsible for an accident caused by your PWC.
We offer specialized PWC insurance at low rates.
Bodily Injury and Property Damage Liability - covers injuries and property damages that is caused by the insured (policyholder) up to the specified amount of liability selected by the insured (policyholder).
Collision coverage - pays for damages incurred from another vehicle or non-moving object.
Comprehensive coverage - pays for damages to the insured PWC in which the event is not caused by a collision such as theft, fire, flood, etc.
Water Ski - coverage for your water skis is available at no additional cost.
Medical Payments - pays high limits up to $10,000 in necessary medical expenses
Replacement Costs for Personal Effects - pays up to $5,000 for items such as clothing,cameras, binoculars, sunglasses, etc.
Roadside Assistance - automatically included in most of our policies at no charge. It pays for service or towing of a disabled PWC to a qualified repair service facility.
Wreckage Removal - this coverage is automatically included as part of the comprehensive and collision portion of the policy. It pays for reasonable cost incurred with removal or destruction of wreckage of the PWC listed on the policy.
Contact us today for additional information on boat and personal watercraft insurance.
