Cover Your Craft

When someone or something damages your vessel, boat insurance is there to help you get your craft sea-ready again.

By: Alisha Hovland

Your assets deserve to be protected. Along the Texas Coast, people know that the ocean can be dangerous and unpredictable, making comprehensive boat insurance even more important. It is vital to fully understand your needs and the needs of your belongings when looking for the policy to protect your vessel.

With summer approaching, now is the perfect time to plan to keep your boat safe all season long. The simplest purpose of boat insurance is to help you cover damages that may happen to your boat whether it is in storage, in the harbor or out on the water.

Most basic policies cover your boat in the event of your vessel capsizing, catching fire, sustaining damage in a storm, getting stolen, colliding, exploding or becoming stranded. These damages are common, and if you do not properly protect your vessel, you will likely have to cover all of the costs on your own. If someone or something damages your boat, your boat insurance will be there to help get your boat sea-ready again.

A thorough insurance policy also protects you in legal matters that may come up. If you have friends on your boat and one of them is injured, who will cover the costs? Boat liability coverage provides you with legal protection if someone is injured by your boat, if your boat damages someone else’s property or if other accidents occur that result from your ownership of the boat. Boat liability can help cover other people’s medical expenses up to the limit of your policy if your boat injures them. In addition, your relatives and other occupants of your boat can be protected under your boat insurance policy.

If you buy a new boat, you need to buy additional coverage for that vessel. Newly acquired watercraft coverage will let you add new boats to your existing policy, and it is often put in place when the new watercraft replaces another boat. Most policies include coverage for your boat trailer, but it is important to know how much coverage you have to use to cover damages to your trailer. Speak with your insurance representative to understand the coverage policy you have and what accessories or supplies are included in the policy.

Some boat insurance policies differ depending on your watercraft use. You need to know whether your boat is insured for inland or coastal navigation. Most policies written for coastal boating limit coverage to a certain number of miles from the coast. Make sure you are aware of the limitations and navigational limits. You need to know how many operators are covered and how to get coverage for your family if they wish to operate your watercraft.

Carlisle Insurance has insured boats for more than 70 years, and understands nothing beats the free feeling of being out on the open water in your own boat. When looking for boat insurance, the most important thing to do is recognize how you plan to utilize your watercraft and find the coverage plan that best suits your needs. Talk to your insurance representative to learn more about what type of plan you need for your boat.


For more information on boat insurance, visit Carlisle Insurance online at


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