Boat & Watercraft Insurance in West Texas — Protection for Every Adventure
Enjoy the Water With Confidence — Custom Boat Insurance for Texas Owners
Boating is about fun, freedom, and making memories on the water — but one accident or storm can put your boat and finances at risk. Willingham Insurance Agency helps you protect your investment and your peace of mind with watercraft insurance that covers everything from bass boats on Lake Ivie to jet skis and coastal trips. Most homeowners policies don’t provide adequate coverage for boats, so a dedicated policy ensures you’re ready for whatever the season brings.
What Does Boat & Watercraft Insurance Cover?
Physical Damage
Repairs or replaces your boat after collisions, storms, theft, vandalism, or fire.
Liability Coverage
Pays for injuries or property damage if you’re responsible for an accident on the water — protects you if you hit another boat, dock, or swimmer.
Uninsured Boater Coverage
Steps in if you’re hit by an uninsured or underinsured boater.
Medical Payments
Covers medical costs for you and your passengers after a boating accident.
Towing & Assistance
Helps cover the cost of on-water towing or emergency services.
Equipment & Trailer Coverage
Optional protection for fishing gear, onboard electronics, or trailers.
Coverage for All Your Boats and Personal Watercraft
We insure a wide range of watercraft, including:
Bass boats
Pontoon boats
Fishing boats
Sailboats
Jet skis and other personal watercraft (PWC)
Kayaks, canoes, and more
Whether you boat on Lake Ivie, Lake Brownwood, or take your vessel to the coast, we’ll tailor your coverage for the way you ride.
Do I Need Boat Insurance in Texas?
Texas law doesn’t require boat insurance, but many marinas, lakes, and lenders do. And without proper coverage, one accident could mean costly repairs or lawsuits. Plus, West Texas is known for sudden storms and water hazards — our policies are built for local risks, not generic online templates.
Homeowners Insurance Doesn’t Cut It:
Most standard homeowners policies offer little or no coverage for boats, especially if they’re larger or motorized. We’ll help you close the gaps with a dedicated policy.
Ways to Save on Boat Insurance
- Ask about discounts for certified boater safety courses
- Bundle your boat with home or auto for potential savings
- Use approved safety equipment for more discounts
- Local service and advice from agents who understand Texas boating and area lakes
Your Boat Insurance Questions, Answered
What does watercraft insurance cover?
Physical damage, liability, medical payments, towing, equipment, and more. We explain every option and help you choose what’s right.
Does my homeowner’s policy cover my boat?
Usually not — especially for larger boats. Home insurance typically offers very limited coverage, so a separate boat policy is recommended.
Do I need boat insurance for lakes in Texas?
Many lakes and marinas require proof of coverage. Even if not required, insurance is smart to protect your boat, gear, and liability.
What about jet skis or PWCs?
We insure all types of personal watercraft, including jet skis. Let us know what you have, and we’ll match the coverage.
Before You Hit the Water, Get a Boat Insurance Quote
Ready to protect your boat or watercraft? Contact Willingham Insurance Agency for a custom quote — and enjoy every trip with peace of mind, from West Texas lakes to the Gulf Coast.