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Boat/Watercraft Insurance

Whether you enjoy boating on Texas’ more than 5,600 square miles of inland water or its sparkling Gulf Coast waters, Educators Insurance Services wants you to remain safe. While Texas requires operational requirements, you can protect your investment by acquiring a boat, also called watercraft, insurance.

As a subsidiary of Gulf Coast Educators Federal Credit Union, we remain cognizant of your investment in your boat, water skis, Seadoos and other watercraft equipment. As your neighbors, we want you to stay safe while enjoying the amazing array of recreational opportunities the Texas waterways offer.

Reduce Liability by Following the Rules

The state has a few rules to keep the waterways safer. These bear similarities to the rules for driving its roads. By following all of its rules, you automatically reduce your liability.

  • Any person operating a watercraft in Texas must be aged 13 or older.
  • Every boat operated in the state must have proper title and registration.
  • Every boater born after September 1, 1993, must successfully complete a boater education course.
  • Every boater born after September 1, 1993, must carry photo identification.
  • Every boater born after September 1, 1993, obtain and carry with them a Texas Parks & Wildlife Department boat operational certificate.

Boat Insurance to Protect Your Investment

Unlike operating a car, Texas law does not require boaters to carry boat insurance minimums. You need the coverage on the water just as much as you do for a vehicle on the road though.

Your homeowner's policy covers a limited dollar amount, but you are much better off with a separate boat/watercraft policy. That is because a home policy only covers a few scenarios of boat damages. It also does not include liability coverage for your boat.

A boat/watercraft policy provides you the liability coverage you need if someone gets hurt on your boat, or worse if you cause an accident. It will pay for the medical bills of the other party and the damage to their boat.

Contact Gulf Coast Educators Insurance Services of Texas today to learn more about how our boat and watercraft policies can help you protect your watercraft investment and help keep you safer.

Our Partners

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  • Alinsco
  • Allstate
  • ASI/Progressive
  • Bristol West
  • Encompass Insurance
  • Germania Insurance
  • Hartford
  • Homeowners of America
  • Infinity Insurance
  • Mercury
  • MetLife
  • Progressive
  • Safeco
  • Travelers
  • Wellington