Texas is one of the states where having a separate insurance policy for your boat is not required by law. In Celina, TX, some homeowner’s policies will extend to cover damages to a boat. However, the homeowner’s policy alone will not provide sufficient coverage for a loss sustained on a boat. For one thing, homeowner’s policies do not provide any personal liability coverage. That means you are not protected for any bodily injury or property damage sustained on your boat by you or your crew (or a guest). Only a specific boat owner’s policy will provide that coverage.

Even though being out on the water is fun and exciting, waterways hide intrinsic dangers. Many hazards wait out there for boat owners. Fires, storms, collisions with other boats, lightning, or even vandalism can put you in financial difficulty if you do not have sufficient coverage to protect your asset against common losses.

Rasor Insurance provides policies for boat owners in Celina, TX that cover most of the necessary risks, such as:

If you are involved in a collision, the policy will protect you against property damage liability and personal injury liability.
If your boat is severely damaged in an accident, the cost of towing can be covered by the policy.
If you own a large vessel and hire an additional crew, your policy will cover damages and medical costs if any of your crew are injured aboard your vessel.
When your boat is unusable after an accident, the policy will cover the cost of removing the wreck.
If your boat is damaged and pollutes the water, the policy will provide funds for cleaning up costs.

Life is unpredictable on the water, so visit the Rasor Insurance office to discuss your insurance needs.