Whether you own a fishing boat, pontoon, sailboat, jet ski, or cabin cruiser, we can help you find coverage that fits your lifestyle and water adventures. We also protect personal watercraft (PWC) and other specialty vessels. Looking to insure more than just your boat? We’ve covered you with options for trailers, watercraft accessories, and even additional recreational vehicles to ensure everything is protected under one policy.
Get a quote from one of our experts at Bird’s Eye Insurance to determine how much you can save on your boat insurance. We’ll review various types of coverages that best suit your needs.
Standard boat insurance typically includes liability, collision, and comprehensive coverage. Liability helps cover damages you cause to others, while collision coverage covers damage to your watercraft from a boating accident. Comprehensive coverage protects your boat from theft, fire, vandalism, or weather-related incidents.
This coverage protects you if you’re involved in an accident with another boater who doesn’t have enough insurance, or none at all. It helps cover medical expenses, lost wages, and property damage. It’s an essential safeguard for high-traffic waterways.
Medical payments coverage helps pay for injuries to you or your passengers, regardless of who is at fault. It can cover hospital visits, emergency treatment, and ambulance fees. This ensures that medical costs don’t become a financial burden after an accident.
If your boat breaks down or runs out of fuel, on-water towing and assistance help get you safely back to shore. This service covers common situations like engine failure or being stranded on the water, bringing peace of mind during long trips or offshore adventures.
This coverage protects gear like fishing equipment, GPS systems, life vests, and personal items stored on your boat. It applies whether the items are lost, stolen, or damaged during a covered event. It’s a great way to protect the full value of your boating lifestyle.
Boat insurance is essential because it protects you financially from accidents, theft, or damage while on the water or in storage. It also covers liability if you’re responsible for injuries or property damage, helping you avoid costly out-of-pocket expenses.
Consider whether you operate on lakes, rivers, or open seas, and how often you use your boat throughout the year. Usage and location can affect the types of risks you face and the level of coverage you need.
Agreed value policies pay a predetermined amount if your boat is totaled, while actual cash value policies account for depreciation. Choosing the right one helps balance coverage with affordability.
Review your policy to ensure it covers personal items, electronics, and liability in case of injury or property damage. Depending on how your boat is equipped and used, optional endorsements may be necessary for full protection.
In Texas, boat insurance typically covers damage to your watercraft, liability for bodily injury or property damage, theft, vandalism, and medical payments. Optional add-ons include uninsured boater coverage, trailer coverage, and water towing assistance.
In Louisiana, standard boat insurance typically includes hull coverage, liability protection, and coverage for personal effects. Because Louisiana is prone to hurricanes and flooding, many boaters also choose storm haul-out and named-storm deductibles to better protect their investment.
The state of Texas does not require boat insurance to be legally carried. However, marinas and lenders often require proof of coverage. Given Texas’s large lakes and high boat traffic, insurance is strongly recommended to protect against accidents and liability.
Louisiana does not mandate boat insurance for personal use; however, as in Texas, marina storage contracts and loan agreements may require it. With unpredictable Gulf weather and frequent recreational use, most Louisiana boaters opt for coverage to avoid major losses.
In Texas, your policy should at least match the value of your vessel and include liability protection of $300,000 or more. If you host guests or participate in water sports, consider adding medical payments and personal effects coverage.
Louisiana boaters should account for the full replacement cost of their vessel, especially if it’s stored near water or used year-round. Higher liability limits, towing coverage, and fuel spill liability are recommended for added peace of mind.
Texas boat insurance premiums depend on the boat’s size, horsepower, usage type (pleasure vs. fishing), storage location, and your boating history. Boats stored in dry docks tend to cost less to insure.
In Louisiana, hurricane exposure, location (coastal vs. inland), and seasonal use heavily influence rates. High-performance boats and prior claims history can significantly raise premiums in the region.
Texas boat owners can lower their premiums by bundling with home or auto insurance, taking boating safety courses, and installing safety features such as GPS or automatic fire suppression systems. Storing your boat securely also helps.
Louisiana boaters can save by choosing seasonal-use policies, maintaining a clean claims record, and keeping boats in hurricane-rated facilities. Many insurers offer discounts for completing a Coast Guard-certified safety course.
