Fort Worth Boat Insurance

(Find the right boat insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


If you enjoy taking your boat out on the Trinity River, nearby Lake Worth, or any of the other northern Texas area lakes, you know that this region provides plenty of recreational boating opportunities. The state of Texas does not require boat insurance. However, since you can be held legally responsible for injuries or damages to other people and property, it makes sense to consider finding coverage. Fort Worth, TX boat insurance might be a solution to the problem of protecting your watercraft investment.

An independent agent in the Trusted Choice® network will help you compare Fort Worth boat insurance quotes from multiple highly-rated insurance companies. These agents can also help you select the right coverage options and will explain your policy details. Contact a Trusted Choice member agent today to discuss your specific needs and to find out which boat insurance is right for your circumstances.

Local Boat Facts and Costs

  • While boat insurance is not required, registration is required by the state
  • Average personal boat insurance cost estimate: $300 - $500 a year
  • Insurance for personal boats may cost less than $1 a day
  • 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

Why is the range of estimated costs so wide? Just as there is a big range of boat values, there is also variation in the cost for watercraft policies in the area. Some individual considerations might include the type of boat, the most frequent use, where it is stored, and the owner’s own risk tolerance.

For example, the owner of a new motorized bass boat will have different concerns than a boater who can strap a small canoe to the top of the car or one who leaves a yacht docked at a lakeside marina. The best way to figure out how much your own boat insurance will cost is to compare competitive plans and rates. Your local Trusted Choice member agent can quickly provide you with free Fort Worth boat insurance quotes to compare.


Save on Boat Insurance

Our independent agents shop around to find you the best coverage.

Texas Boating Accident Statistics:

  • Boat accidents, 2010: 152
  • Boating related injuries, 2010: 136
  • Boating related deaths, 2010: 27

The Texas Department of Parks and Wildlife maintains statistics about boating accidents. Their research provides evidence that fatal accidents typically occur in open motorboats when the victim falls into the water, especially on weekends.

You can mitigate your risks on the water by following posted speeds and waterway rules, driving cautiously on unfamiliar waters, and carrying Fort Worth boat insurance. Boat insurance can help you recover financially if you get hurt while boating or you cause an accident that results in injuries, property damage, or even fatalities.

What Does Fort Worth Boat Insurance Cover?

There is a lot of flexibility with boat insurance. You may get some limited coverage for your boat with your homeowners insurance, for example. In situations where your boat is parked in your driveway or in an attached garage, your homeowners insurance might kick in to cover damage to the boat, up to a certain limit. Additionally, you may have some coverage for your boat with your auto or truck insurance, especially as you're towing to the water. It's not advisable to assume you're covered, however. Make sure you check with an independent insurance agent who can review your current coverage and suggest the right insurance for your needs and risks.

Some companies may offer a package that includes different coverage types, such as:

  • Property damage and bodily injury liability
  • Property damage for the boat, trailer, and equipment
  • Towing coverage and roadside assistance
  • Medical payments coverage for your injuries or those your passengers suffer
  • Uninsured/underinsured boaters

Compare Fort Worth Boat Insurance

No two Fort Worth boat owners will have exactly the same coverage needs or personal preferences. A member agent in the Trusted Choice network has the experience to listen to your concerns, suggest plans to satisfy them, and give you free Fort Worth boat insurance quotes to compare.

It's a good idea to do research, review your current insurance, and speak to an insurance professional to avoid excess or duplicate coverage. At the same time, you're likely concerned with adequate protection for liability, damages, and injuries, and n independent agent can find you the right coverage at a price that meets your budget. Get in touch with an independent agent in the Trusted Choice network to learn more about Fort Worth boat insurance today.

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