R.D. Kothmann Insurance Boat Insurance

Keeping You Afloat on Rough Waters

If you wouldn’t get behind the wheel of a car without auto insurance, why would you take the risk in a boat? If you own a boat, then you know just how many dangers lurk in the water. A boat is a sizable investment that’s a cornerstone for your summer fun or seasonal fishing. You don’t want to leave such a precious possession up to chance.

Here at R.D. Kothmann Insurance, we understand the value of boat ownership. Whether you take your craft out to the Texas gulf or out on one of the many lakes in central Texas, you should have a peace-of-mind for you and fellow boaters.

What Does Boat & Watercraft Insurance Cover?

Typically, boat insurance policies cover the most common perils related to physical damage to the boat:

  • Sinking
  • Fire
  • Storms
  • Theft
  • Collisions


Standard boat and watercraft policies also provide reimbursement for damage to numerous items related to boating. Such items include the boat itself, of course, and the motor too. Coverage also extends to the trailer deployed to tow the vessel to water. The list of covered items also includes equipment permanently attached to the boat, along with anchors, oars, trolling motors, extra fuel tanks, tools, removable canopies, seat cushions, life jackets and preservers, skis and tow ropes, dinghies, and more.

Many watercraft insurance policies also cover labor costs for repairing and/or replacing the boat and any related equipment. Most standard boat insurance provide basic liability coverage, too. Texas law doesn’t require boat coverage, but not carry some degree of coverage is not worth the risk.

Does Texas Require Boat Insurance?

Technically, no. However, Texas law isn’t the only factor to consider. If you purchase your boat on loan, for example, the creditor will likely stipulate that you maintain boat coverage. Many boat owners store their vessels at marinas or boatyards. Such facilities also routinely require owners carry a certain degree of boat insurance.

Need another compelling reason to carry boat insurance? How about this: It just makes sense. Protecting your passengers and property, and looking out for the wellbeing of your neighbors is, quite simply, the right thing to do. And what about the financial aspect of boat ownership? For many people, owning a boat can represent a sizable investment. If your boat were totaled in an accident, do you have the liquid assets to simply replace it without insurance monies?

How Much Does Boat & Watercraft Insurance Cost?

Premium costs for a boat and watercraft policy will depend on the agreed-upon values of the policy, chosen deductibles, insurability, and other factors. In this way, boat insurance is quite similar to other policy types.

Contact R.D. Kothmann Insurance for a Free Quote on Boat Insurance

R.D. Kothmann offers free, comparative quotes on personal boat and watercraft insurance from multiple insurance carriers, assuring you of the best possible rates. Want to see how much we can save you? For a free online boat insurance quote, complete the quote form on this page or call R.D. Kothmann Insurance today at 325-446-2320!

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