Do I Need Insurance For My Boat?

July 15, 2019
Texas has a great source of water for recreational boating. Besides the Gulf, there are well over 5,000 square miles of inland water to enjoy. If you are planning to head out for some fun and relaxing time on the water, you will want to be sure your boat is protected by the right coverage.
As a boat owner, what type of insurance do you need? Here at Whiteside Insurance , we will help you choose the right coverage for your specific boat.
The following options are some of the choices available to you as a boat owner:

Liability Coverage

Considering how often crashes involve other boaters or other people’s property, having a liability coverage is a must. Property damage covers the expense of damage done to another boat, dock, etc. Bodily injury liability covers medical expenses should someone else get hurt in a crash you are involved in.

Comprehensive Coverage

If you want to extend your coverage to include theft, vandalism or other damage not involving a crash, getting comprehensive coverage will be the best choice. Keep in mind, this is a good option to purchase year round, as these unfortunate events often happen during storage.

Collision Coverage

This will not cost you much at all, covering damage to your craft should you crash, but very little else. You will need to check with your agent to see if your policy covers the clean-up of wreckage.

If you live in the Spicewood, Texas area, Whiteside Insurance is here for you. Call us anytime to speak with an agent. We are glad to explain the types of policies available to you as a boat owner, and will help to find the right fit for your needs.

< Older Post

 Newer Post >
Telephone icon with speech bubble.

Get A Quote

At Whiteside Insurance, securing your future is easy. Ready to protect what matters? Contact us for a quick quote and personalized insurance options!

Black telephone handset icon.

Hal

i
Hal is not a licensed insurance agent. Only licensed agents can provide quotes or coverage recommendations. Calls may be reviewed for quality and training purposes.

Speak to Hal After Business Hours

Microphone icon.

Microphone ready

Black check mark.

Start your custom insurance quote

Black check mark.

Instant answers to your insurance questions

Black check mark on a white background.

Schedule appointments or follow-ups

Person with shield icon featuring a checkmark.

Personal Insurance

From auto and homeowners to renters and umbrella policies, we help protect your family and property. Let’s find coverage that fits your life.

Buildings with coins, a shield, and a checkmark, suggesting financial security.

Commercial Insurance

We customize policies for your industry's risks, like general liability and workers' comp, ensuring you can run your business worry-free.

Share this article

Recent Posts

Businessman with Umbrella Insurance

Do You Really Need an Umbrella Insurance Policy?

February 18, 2026
Umbrella insurance provides extra liability protection beyond your home and auto policies. Learn who needs it, what it covers, and why it's more affordable than you think.
Homeowners comfortable coverage

5 Things Most Homeowners Get Wrong About Coverage

February 18, 2026
Most homeowners misunderstand replacement cost, flood coverage, and liability limits. Learn the five biggest insurance mistakes and how to avoid costly gaps.
Insurance types

What Does an Independent Insurance Agent Actually Do?

February 18, 2026
Independent insurance agents shop multiple carriers for you, advocate during claims, and provide local expertise. Learn how they differ from captive agents.