Boat Insurance
Whether You’re Fishing or Floating — We’ve Got You Covered.
Whether you’re spending weekends on Bardwell Lake or towing your jet ski down to Richland Chambers, we’ll help you protect your boat the smart way. We make it easy to understand your options, find solid coverage, and hit the water with peace of mind.
As an independent insurance agency right here in Ennis, we’ll help you compare quotes, answer questions, and build a policy that fits your boat and your lifestyle.
What’s Covered with Boat Insurance?
Tailored protection for your time on the water.
From pontoons to personal watercraft, we’ll help you get coverage that actually makes sense for how you use your boat.
Why Choose Us
We’re from around here — and we know the lakes, the backroads, and the trailers just as well as you do. Here’s why boaters trust us:
- We’re independent, so we compare rates from multiple top carriers
- We know how boats are used locally — and how to cover them properly
- We’ll walk you through everything, step-by-step, no pressure
- You can call or stop by anytime — and talk to a real person who gets it
What's Covered:
- Hull & boat damage – Covers your boat itself — including damage from collisions, storms, and other unexpected events.
- Liability coverage – Protects you if someone is injured or property is damaged while you're operating your boat.
- Medical payments – Helps pay medical expenses if you or a passenger is hurt on the water.
- Towing & assistance – If you break down on the lake or need help getting back to the ramp, we’ll make sure you’re covered.
- Theft & vandalism – Covers your boat, trailer, and gear if they’re stolen or damaged while parked or stored.
- Theft & vandalism - Optional coverage for fishing gear, electronics, coolers, and more.
Whether you own a bass boat, wakeboard boat, jet ski, or anything in between — we’ll help you get what you need and leave out what you don’t.
FAQs
Questions? We’ve heard them all.
-
Do I really need insurance for my boat?
If you’ve got a mortgage, it’s probably required. Even if it’s not, home insurance is a smart move — it helps protect your biggest investment.
-
Does my homeowners policy cover my boat?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links. -
Can I insure my trailer, too?
Yes! Bundling often saves you money, and it keeps everything in one place. We’ll help you look at your options.
-
What kinds of boats can you insure?
In many cases, yes. We work with a variety of companies — and some offer simplified underwriting.
-
Is boat insurance expensive?
Not usually — and we’ll help you find coverage that fits your needs and your budget.