Skip to content
Click to Call
Gilchrist Insurance Group

3025 Fort Worth Highway, Ste. B
Hudson Oaks, TX 76087

Get Directions

Texas Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in Texas

Boats and other watercraft are great ways to spend time outdoors and bond with family and friends. To keep the good times rolling, though, it's essential that you have the proper insurance in place. At Gilchrist Insurance Group, serving Hudson Oaks, TX, and surrounding areas, we aim to help Texas residents navigate insurance choices and information successfully. Keep reading to learn more about boat and watercraft insurance.

Do I Need Boat or Watercraft Insurance?

Texas laws do not require boat insurance; however, insurance coverage is the only way to protect yourself and the investment you've made into the boat. It's also the only way to protect yourself from liability should someone get hurt because of your boat.

What Happens Without Insurance?

If you don't have insurance on your boat or watercraft, and the boat is damaged or lost, you'll be responsible for paying for repairs or replacement. If you don't have the money for that, you've lost your investment in your boat.

You will be responsible for your expenses if your boat or watercraft is involved in an accident. You can also be held legally liable for the expenses incurred by other boats or vehicles involved if you're found to be at found. If anyone is hurt, you could also be held liable for their medical expenses as well. You can see how that could easily snowball into devastating expenses for you to pay out of pocket.

A good insurance policy can help you to avoid these types of risks. The insurance would kick in following a claim event to help you pay these expenses.

If you'd like to learn more about boat or watercraft insurance or any of our other insurance products, please get in touch with us today at Gilchrist Insurance Group, serving Hudson Oaks, TX, and surrounding areas. We will be happy to help you with your insurance needs.

Request a Quote

Why work with us?

Choose Gilchrist Insurance Group for personalized insurance solutions tailored to your needs, backed by years of local expertise and a commitment to exceptional client service. Our dedicated team is here to provide peace of mind and protect what matters most.


Partner Carriers

  • Bristol West
  • Chubb
  • Foremost
  • Gainsco
  • Hagerty
  • Liberty Mutual
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Travelers