Personalized Boat Insurance Quote

An Insurance Specialist will contact you
to develop a personalized quote.

Texas Boat Insurance

You never know what adventures lie ahead of you when you take to the lake. Our team at Lifetime Insurance can help you find the right boat insurance policy to protect your boat and all the good times to be had on it.

What’s Covered?

Texas Boat Insurance Coverage

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Collision Boat Coverage

Collision helps pay for damage to your boat, motor, trolling motor, trailer, and permanent or portable boating equipment if you’re in a covered accident with another boat or object.

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Liability Property Damage

This coverage helps pay for damages to another person’s vehicle or property, if you cause an accident with your boat. Pollution liability coverage and wreckage removal could be included.

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Free To Explore

Depending on the carrier this will provide coverage on all the inland waterways of the U.S. and Canada and up to 75 miles offshore or 90 miles offshore in California. Mexico or Bahamas coverage extension is available in some states. 

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Comprehensive Boat Coverage

This coverage can help pay for damage to your boat, motor, trolling motor, trailer, and permanent and portable boating equipment from losses other than collision. Could include damage from fire, theft or storms.

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Liability Bodily Injury

If you cause an accident with your boat and someone is injured, this coverage can help pay their medical bills and loss of income. 

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Fuel Spill / Wreckage Removal

Debris and fuel spills from accidents on the water can create environmental and safety hazards. Many watercraft policies cover fuel spills and wreckage removal at the limit of liability.

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Uninsured or underinsured boat coverage

Could pay for bodily injury damages if you or someone on your boat is injured in a covered accident with an uninsured or underinsured boater.

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Medical Payments to Others

This coverage can help pay for medical bills if you or others are injured while operating or occupying your boat.

Boat Coverage Options

This can cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat. It can apply to both amateur and professional fishermen.

This covers to a limit if a cat or dog that is injured because of a boating accident.

Potentially covers the replacement cost for loss or damage to your personal property while onboard, or while being carried on or off an insured boat.

This coverage can pay for on-site labor for your tow vehicle or boat trailer, or towing to the nearest qualified repair facility. May also cover your boat or personal watercraft trailer, along with the vehicle used to tow it.

Can cover towing expenses and other emergency services, up to selected limits, if your boat becomes disabled on the water.

Total price protection for boats two years old or younger. That means you get the same features, equipment, and options as the boat you lost, regardless of the cost.

Boat Insurance Discounts

There are multiple ways to save on a Boat or Watercraft Insurance Policy. Find out which boat insurance discounts you qualify for and start your quote today.

Save on Boat and Watercraft Insurance


Multi Boat Discount

You could earn a discount if you have more than one boat or personal watercraft on your policy.

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Multiple Policy Discounts

Save even more when you add multiple policies with the same carrier such as Auto, Motorcycle, Boat, or RV coverage. 


Pay In Full

Receive a discount for your boat or watercraft insurance by paying your entire policy premium in full when you buy or renew your policy.

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Diesel Fuel Discount

You may receive a discount if your boat is powered by an inboard diesel engine.

Home and Boat Ownership

Some carriers offer a discount on your boat insurance if you own your home or if you have owned any boat for two or more years.

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Safe Boating Course

You could save on each boat or watercraft for taking safe boating courses, including Power Squadron and U.S. Coast Guard, and save more per boat for advanced courses.

Responsible Boater

No watercraft or motor vehicle violations or accidents on your record for the last three years, you can significantly lower your boat insurance premium.


Buy In Advance

You can earn a discount if you purchase your boat policy at least one day prior to when it goes into effect. The discount amount can increase if you buy a policy more than a week before it is scheduled to start.

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Boaters Association

Some carriers provide a discount for membership in the United States Coast Guard Auxiliary (USCG) or United States Power Squadron (USPS). In most states, USAA members will also receive a discount.

Is Your PWC Fully Covered?

Personal Watercraft insurance can help cover the injuries or damages you’re liable for and any repairs to your watercraft. With a little help from Lifetime Insurance, you won’t miss any lake time.


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

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Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall Texas Loves Us!

Here are just a few of the real Google reviews from our clients.
Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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