Boat/watercraft insurance

Boat/Watercraft Insurance

Buffalo Springs Lake, Lake Alan Henry, and other area waters attract plenty of Lubbock boaters looking to escape the heat. Your boat or watercraft represents a significant investment, and standard homeowners policies typically provide minimal coverage for watercraft, if any at all. Dedicated boat insurance protects your vessel whether it's on the water, in storage, or being towed behind your truck on Highway 87.

Coverage typically includes physical damage to your boat from accidents, storms, theft, and vandalism. Your boat faces risks year-round, from hail damage during West Texas storms to theft when stored during off-season. Liability coverage protects you if your boat causes property damage or someone gets injured while you're operating it, which is crucial when you're out on the water with family and friends.

Equipment matters too. Your policy should cover your motor, electronics, fishing gear, and other equipment that makes your boat functional. If someone steals your trolling motor or a storm damages your boat while it's stored at your property, you need coverage that replaces what you've lost. Medical payments coverage can help pay for injuries to your passengers, regardless of who's at fault.

Lubbock boaters often keep their watercraft stored for much of the year, but that doesn't mean you should drop coverage. Hailstorms don't discriminate between boats on the water and those in your driveway. We help you find policies that offer fair rates based on your actual usage while maintaining full protection year-round. Whether you're fishing at Lake Alan Henry or just keeping your boat ready for weekend trips, the right insurance keeps your investment protected without breaking your budget.