8 Reasons to Request a Customized Boat Quote

The short days of winter are over, and now it’s time to get out on the water. As you prepare your boat for its first voyage, be sure to go over your maintenance and safety checks. Then confirm your insurance and registration is current.

Did you know some Texas boat insurance policies could leave you financially vulnerable or unprepared?

1 – Personal Belongings

What happens if I drop my cell phone in the water? Personal effects, Fishing and Ski equipment damaged on or stolen from your locked boat can be included at your request. If a policyholder drops a cell phone in the water or steps on it while moving around the boat, there is no coverage. However, if the cell phone or other personal effects go overboard or are damaged in a covered loss such as colliding with a boat dock, then coverage can apply.

2 – Total Loss Replacement option

What if my brand new boat is stolen? Simply put, you can qualify to get a brand new boat of similar make and quality if your new boat is damaged beyond repair or stolen.

3 – On-Water Towing

What if I am stranded in the middle of the lake and need fuel, a battery jump, or tow? Help comes to you with 24-hour on-water towing and roadside assistance options.

4. Damage to a boat’s engine

What if I strike a rock? Damage from an external cause of loss is generally covered by most boat insurance policies. However, some policies offer additional mechanical breakdown coverage from an internal cause of loss as well.

5. Wreckage Removal, Salvage, or Fuel Spill

What if my vessel is grounded, in need of rescue, or taking on water? Some policies limit wreckage removal to 5% of the Hull Value, which could create a very large GAP in coverage. We have options to provide Wreck Removal coverage up to the Insured Value of the Hull.

6. Liability and Med Pay

These coverages are available for water sports activities such as water skiing or wake boarding.

7. Specialized marine claims handlers

Many of our competitors have claim handlers that see a car one day and a boat the next. However, our people are marine specialists who are highly trained, ensuring your boat will be back on the water as soon as possible following a covered loss.

8. Competitive rates and special discounts

In addition to affordable coverage, you can qualify for special discounts when you package auto, home, condo and boat together with Britton and Britton Insurance.

Time spent thinking about boating is time away from fishing or cruising on the lake with friends and family. Make every moment count! Review the boating safety tips and request your custom Texas boat quote today.

Coverages and programs vary by company. Your agent can customize a boat quote and policy with your requested preferences.

About the author

Riley Britton