Boat & Watercraft Insurance in Texas

Smooth Sailing Starts with the Right Coverage

Whether you boat on Lake Houston, Conroe, or down the coast, we’ll help you find coverage for your watercraft that goes beyond what home insurance can offer.

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Boat Insurance Can Cover:

Our Houston-area clients often choose:

Physical Damage To Your Boat, Motor, Trailer

Covers repairs or replacement if your boat, motor, or trailer is damaged by collision, theft, vandalism, or severe weather.

Liability For Injuries Or Property Damage

Protects you if you're found responsible for injuries to others or damage to someone else's property while using your boat.

Towing & Roadside Assistance

Provides emergency towing and assistance if your boat or trailer breaks down on the water or on the road.

Fuel Spill Liability & Wreckage Removal

Helps pay for cleanup costs and removal if your boat leaks fuel or sinks, ensuring you stay compliant with environmental laws.

Boat & Watercraft Insurance FAQs

  • Is my boat covered under my homeowners insurance?

    Not fully. Most home policies only offer limited coverage—and usually not for larger boats or liability.

  • Do I need insurance if my boat is in storage?

    Yes. Boats can still be damaged, stolen, or vandalized off-season.

  • Can I insure jet skis or other personal watercraft?

    No. It’s for personal liability. Ask us about commercial umbrella policies for your business needs.

  • Are there discounts for safety courses?

    Yes—many carriers offer discounts for completing a boating safety class.

Smooth Sailing Starts with Solid Coverage

At DeShazo Insurance, we help you enjoy the water without worry. Whether you own a fishing boat, jet ski, or sailboat, we’ll help you find coverage that travels with you.