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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.

Collision Boat Coverage

This helps pay for damage to your boat, motor, trailer, and permanent or portable boating equipment after an accident.

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 availabe, in some states.

Liability Bodily Injury/Property Damage

If you cause a boat accident and someone is injured or their property is damaged, this can help you pay for the resulting medical bills and property repair or replacement.

Fuel Spill/Wreckage Removal

Debris and fuel spolls from accidents on the water wreak havoc on the environment. Many policies cover this at the limit of liability.

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, such as theft, fire, or storm damage.

Medical Payments to Others

If you host friends and family frequently on your boat, this is good coverage to have! This coverage can help you pay for medical bills if you or others are injured while operating or occupying your boat.

There are many ways to save on boat insurance. Find out which discounts you qualify for today – start with a quote!

Boat Insurance Discounts

Multi Boat Discount

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

Home and Boat Ownership

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

Deisel Fuel Discount

Depending on your insurance provider, you may be eligible to receive a discount on your coverage if your boat is powered by an inboard diesel engine.

Multiple Policy Discount

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

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.

Pay in Full

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

Boaters Association

Some carriers offer a discount for members in the U.S. Coast Guard Auxiliary (USCG) or U.S. Power Squadron (USPS). In most states, USAA members also receive a discount.

Buy in Advance

You can earn a discount if you buy your boat policy at least 1 day before it goes into effect. That discount increases if you buy a policy more than a week before it kicks in.

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.

Is Your PWC Fully Covered? Our Insurance Pros Can Help!

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.

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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