Q1: Is boat insurance required in Texas?

Not by law—but it’s often required by lenders, marinas, and storage facilities. And it’s highly recommended for any regular boater.

Q2: What types of watercraft can you insure?

We cover powerboats, sailboats, fishing boats, pontoons, jet skis, and more. We’ll help match the policy to your vessel.

Q3: Is my boat covered while in storage or transit?

Yes—comprehensive coverage includes protection during the off-season, in transit, or while stored on land.

Q4: What’s not covered under a standard boat policy?

Common exclusions include wear and tear, manufacturer defects, and damage from improperly stored equipment. We’ll go over all the details with you.

Q5: Do I need boat insurance for small watercraft or kayaks?

It’s not required, but in some cases, it’s available. We’ll help assess the value and risks to see if coverage makes sense.

Q6: Can I bundle boat insurance with auto or home?

Yes—bundling often lowers your premiums and simplifies your policy management.

Boat & Marine Insurance in Texas

Smooth sailing starts with strong coverage.

Protect Your Boat—and Your Time on the Water

Whether you're cruising the Gulf, exploring Texas lakes, or fishing close to home, your boat deserves more than sunshine and good luck. At Stieber Insurance Group, we offer boat and marine insurance designed to protect your vessel, your gear, and your liability on and off the water. Let’s keep you covered—so you can focus on the fun.

Request your free boat insurance quote today.

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What Does Boat & Marine Insurance Cover?

We offer protection for all kinds of watercraft—from bass boats to yachts—with coverage options that make sense for Texas boaters.

Physical Damage Coverage

Covers repairs or replacement if your boat is damaged in an accident, storm, or other covered event.

Liability Coverage

Helps cover injury or property damage you may cause while operating your boat. Essential for marinas, public waterways, and hosting passengers.

Uninsured Boater Coverage

Protects you if you're hit by someone who doesn’t have enough (or any) insurance—a common risk on public waters.

Medical Payments Coverage

Covers medical expenses for you and your passengers after a boating accident, regardless of fault.

Towing and Assistance

Covers emergency services like towing, fuel delivery, or jump-starts while you're out on the water.

Fishing Equipment & Personal Effects

Optional add-ons to cover rods, reels, electronics, and other gear that’s costly to replace.

Boat Insurance FAQs

Q1: Is boat insurance required in Texas?

Not by law—but it’s often required by lenders, marinas, and storage facilities. And it’s highly recommended for any regular boater.
Q2: What types of watercraft can you insure?

We cover powerboats, sailboats, fishing boats, pontoons, jet skis, and more. We’ll help match the policy to your vessel.
Q3: Is my boat covered while in storage or transit?

Yes—comprehensive coverage includes protection during the off-season, in transit, or while stored on land.
Q4: What’s not covered under a standard boat policy?

Common exclusions include wear and tear, manufacturer defects, and damage from improperly stored equipment. We’ll go over all the details with you.
Q5: Do I need boat insurance for small watercraft or kayaks?

It’s not required, but in some cases, it’s available. We’ll help assess the value and risks to see if coverage makes sense.
Q6: Can I bundle boat insurance with auto or home?

Yes—bundling often lowers your premiums and simplifies your policy management.

Keep Your Adventures Afloat

Texas waters offer freedom and fun—but only if you’re protected. Let’s build a policy that covers your boat and your lifestyle.

Start Your Free Boat Insurance Quote Today

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