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Allen, TX 75013

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Does Texas Require Boat Insurance?

Boating is an exciting activity that can be enjoyed year-round in Allen, TX. But before you hit the lake, it’s important to understand all the laws and regulations regarding boat insurance. Our team of experts at Texas Independent Insurance is here to help.

Let’s break down what is required for boat insurance in Texas. 

What Is Required By Law? 

The State of Texas does not require boat owners to have boat insurance, but many lenders will require coverage if you are financing a boat. Check with your lender to make sure you have coverage. If you need help with your policy, a Texas Independent Insurance agent can help you understand what type of coverage is right for you. 

What Types of Coverage Are Available? 

Texas Boat Insurance policies can provide coverage for physical damage, liability protection, medical payments, uninsured boaters, and more. The type of policy you need will depend on various factors, such as the size and type of boat you own, where you will boat, how often you use your boat, and the type of activities you plan to do.

Another concern is actual cash value vs. replacement cost coverage. If you purchase actual cash value coverage, your insurance company will consider the boat’s age and condition when determining a claim settlement.

Replacement cost coverage pays to replace the boat with a new one of similar quality and features. You may want to consider the replacement value depending on the age and value. This type of coverage is generally more expensive, but it is worth the investment if you want to replace your boat should something happen.

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Boat insurance provides peace of mind when out on the water and can help protect you financially in the event of an accident or other incident involving your boat. If you’re looking for quality boat insurance in Allen, TX, contact Texas Independent Insurance today!

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