Boat & Watercraft Insurance
Coverage from Galveston Bay to the lake and back on the trailer
Hull damage, liability on the water, trailer coverage and towing — for bass boats, bay boats, sailboats, jet skis and everything in between.
What it covers
Inside a boat policy
Every policy is built from parts. These are the ones we will walk through with you before anything is signed.
Hull & machinery
Physical damage to the boat, motor and permanently attached equipment.
Watercraft liability
Injuries and property damage you cause to others while operating the boat.
Trailer coverage
Protects the trailer on the road as well as at the ramp.
On-water towing
Pays for a tow back to the dock when the engine gives out miles from shore.
Fuel spill liability
Covers cleanup costs and fines after an accidental discharge.
Personal effects
Fishing gear, electronics and equipment kept aboard.
Why work with us
What you get with Elite Auto Insurance
- Lay-up season discounts when the boat is stored
- Agreed value options so there is no depreciation argument
- Coverage for personal watercraft and jet skis
- Bundles with your auto and home policies
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Common questions
Boat insurance FAQ
- Does my homeowners policy already cover my boat?
- Only in a very limited way — typically small boats with low horsepower, and usually only while on your property. Anything larger needs its own policy.
- Am I covered in the Gulf?
- Boat policies define a navigational territory. We will set yours to match where you actually run, whether that is Clear Lake, Galveston Bay or offshore.
- Is my trailer covered by my auto policy?
- Your auto liability extends to a trailer in tow, but damage to the trailer itself usually needs to be scheduled on the boat policy.
Free quote
Request boat coverage
A licensed agent will compare carriers and follow up. No obligation.