Watercraft & Boat Insurance in Sherman, TX

Boat insurance covers risks such as accidents, theft and weather-related damage for various types of boats, including fishing boats, pontoons, sailboats and personal watercraft. At AeroMex Insurance, we offer coverage to help you stay prepared.

What Does Boat Insurance Cover?

Our team offers a range of coverage options to fit the needs of Texas boaters, including:

• Physical damage coverage may pay for repairs or replacement if your boat is damaged by events like collisions, storms or vandalism.
• Uninsured/underinsured boater coverage may apply if you’re involved in an accident caused by a boater who has inadequate insurance.
• Medical payments (MedPay) coverage can help cover medical expenses for you and your passengers following a boating accident.
• Liability coverage may cover costs if you’re found responsible for injuries or property damage to others while operating your boat.
• Personal effects and equipment coverage may cover fishing gear, electronics and other personal items on board, up to policy limits.

However, your standard policy may have certain exclusions, including:

• Wear and tears: Damage from regular use or lack of maintenance
• Manufacturer defects: Issues due to faulty design or construction
• Intentional damage: Losses caused by deliberate actions.
• Racing: Damage during organized racing events, unless specifically added.
• Unapproved modifications: Damage from unauthorized changes to your boat.
• Personal property not listed: Items not specifically covered in your policy.
• Marine life damage: Harm caused by aquatic animals or organisms.
• Illegal activities: Losses occurring while using your boat for unlawful purposes.

Is This Required in Texas?

State law doesn’t typically require boat insurance, but marinas, lenders and storage facilities often do. If you finance or store your boat at a marina, insurance may be necessary.

How We Help Local Boat Owners

We help you choose the right insurance by reviewing your needs. Contact AeroMex Insurance today to learn more and get a free quote.