Boat & Yacht Insurance

Houston, TX Boat & Yacht Insurance Coverage & Broker Services

boat & yacht

Like any major investment, boats and yachts need the right insurance coverage. Certain carriers have developed specialized marine coverage packages to help meet those needs. So whether you have a boat, yacht or an antique and classic runabout, you can cast off with confidence.

  • Boat and yacht policies can provide coverage for:
  • Physical damage caused by a collision with a submerged object or another vessel
  • Liability for bodily injury or damage to the property of others
  • Damage to personal property on the boat
  • Gas delivery, towing and assistance if your boat gets stranded

When you take to the water, protect your family, guests and your investment with the very best in marine insurance. Top carrier programs offer very flexible boat programs, designed to provide more broad and cost-effective protection.

  • 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.

yacht

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, 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.
  • Flexible payment options. You can pay your bill by: check, electronic funds transfer (EFT), phone or online.

Yacht

Your yacht is a luxury that you take great pride in. When you take to the water, protect your family, guests and your investment with the very best in marine insurance.

Some Insurance carrier programs offer superior coverage vs others, allow us to help you navigate the best policy for you.

For example:

  • More inclusive basic coverage. Protection for which other carriers may demand additional premiums such as uninsured boater, personal property, medical payments, commercial towing, fuel spills, and dinghy.
  • Broad physical damage coverage. Protection in the event of a collision with a submerged object or another boat.
  • Protection and indemnity coverage. Provides liability coverage for bodily injury or damage to the property of others.
  • Personal property coverage. Protects personal property on the yacht including, but not limited to, clothing, stereo system, cameras and other personal items.
  • Towing and assistance coverage. Transports your yacht to a repair facility when it's inoperable and you're stranded. Gas delivery for boats and roadside assistance are also available.
  • Custom coverage options - Yachts 26 feet and longer
  • Hurricane escape reimbursement endorsement. Travelers will share 50 percent of the cost* to move the vessel to safety during a named windstorm watch or warning.
  • Customized navigation territories. To match your needs.
  • Dinghies/tenders.Under 16 feet with less than 25 horsepower.
  • Lay-up discounts. For every month your yacht is kept out of the water. *Up to $1,000/per occurrence and $2,000/per policy period.

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.

On yachts from 26 feet to 29 feet 11 inches, Actual Cash Value earns you a substantial premium discount. In the event of a loss, settlement is based upon a depreciated value.

Antique Boats

Antique and Classic Runabouts enjoy the comprehensive coverage including:

  • Protection for uninsured boaters, medical payments, commercial towing and fuel spills
  • Physical damage coverage - In the event of a total loss, the policy is an agreed value policy whereby no depreciation will be taken and no deductible will be applied.
  • Broad navigational territories
  • No lay-up period

Find the right insurer to cover what you need, including:

  • For Physical Damage, in the event of a partial loss, the policy is a replacement cost policy and depreciation will be waived.
  • A waiver of depreciation on machinery, hull and interior
  • No mileage limitation on overland transportation in the U.S. and Canada
  • Coverage to pay for land transportation to a repair facility in the event of structural damage to the hull

We can help you get the right coverage right away.
Call us at 713-568-2465 or use the form below.