Boat Insurance

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Boat & Watercraft Insurance in Rockwall, Texas.

Cruise the Lake with Confidence-Backed by Hanby Insurance

At Hanby Insurance, we’re Rockwall people. Whether your weekends look like sunset cruising with friends or towing the kids on a tube, we’ll tailor coverage that fits the way you use your boat—without paying for things you don’t need.

Why boaters in Rockwall choose Hanby

  • Local guidance, real people. Talk to an agent who knows local marina requirements and Texas rules.

  • Coverage that fits your craft. From bass boats and pontoons to jet skis and sailboats—we’ll match coverage to your hull, motor, and accessories.

  • Independent & competitive. We shop multiple A-rated carriers for you so you get strong protection and fair pricing.

  • Claims support that sticks. If something happens, we’re your first call. We’ll help you document, file, and move forward quickly.

What does boat insurance cover?

A well-built policy protects you, your passengers, and your wallet. Common protections include:

  • Physical Damage (Hull & Equipment): Repairs or replacement if your boat is damaged by collision, theft, fire, wind, hail, or vandalism.

  • Liability: If you’re responsible for injuries or property damage to others on the water or the dock.

  • Medical Payments: First-aid and medical bills for you and your passengers, regardless of fault.

  • Uninsured/Underinsured Boater: If another boater hits you and doesn’t have enough coverage.

  • Towing & Assistance: On-water towing, jump starts, fuel delivery, and soft ungrounding.

  • Personal Effects & Gear: Fishing tackle, skis, tubes, life jackets, GPS/fish finders, and electronics.

  • Trailer Coverage: Damage to your boat trailer, plus available roadside assistance.

  • Wreck Removal & Fuel Spill Liability: Environmental cleanup and required removal if your boat sinks.

Not sure what you actually need? We’ll walk you through options in plain English and build a policy around how and where you boat.

Popular add-ons for Rockwall boaters

  • Agreed Value Coverage: Locks in a set value for your boat (no surprise depreciation at claim time).

  • Hurricane/Storm Haul-Out: Helps offset the cost of moving or securing your boat before a named storm.

  • Mechanical Breakdown: Adds protection for certain engine failures (varies by carrier).

  • Fishing Tournament Fee Reimbursement: For competitive anglers.

  • Winterization/Storage Coverage: If you store off-season or use a dry stack.

Do I need boat insurance in Texas?

Texas doesn’t require boat insurance statewide, but most marinas, lenders, and personal risk profiles do. Even a simple liability-only policy can protect you from expensive accidents, dock damage, or medical claims. We’ll help you choose the right mix for Lake Ray Hubbard and any other waters you visit.

What impacts price?

  • Boat type, age, length, and horsepower

  • Where you keep it (slip, lift, trailer) and typical waters

  • Boating experience and claims history

  • Safety gear and completed boating safety courses

  • Chosen limits, deductibles, and add-ons

Discounts we look for: multi-policy (home/auto/umbrella), paid-in-full, boat safety course, diesel engine, tracking/anti-theft devices, clean record, and more.

Real-world scenarios (and how your policy helps)

  • Dock bump turns into dock crunch. Liability covers repairs to the dock; collision covers your hull.

  • Storm snaps a line. Physical damage to gelcoat and rails can be repaired; haul-out benefits may apply before the storm.

  • Trailer fender + parking lot pole. Trailer coverage responds; we’ll coordinate repairs locally.

  • Another boater clips you, then vanishes. An uninsured/underinsured boater helps cover your damages and injuries.

FAQs

Will my homeowner’s policy cover my boat?
Home policies may offer limited coverage for small, low-horsepower watercraft—but usually not enough for today’s boats, motors, and liability needs. A dedicated policy is the safer (and often surprisingly affordable) route.

Is my gear covered?
We can schedule coverage for fishing tackle, electronics, and water sports gear. Tell us what you carry on board.

Can I pause coverage in winter?
We can adjust coverage for off-season storage, but remember: storms, theft, and fire don’t take the winter off. Ask us about smart ways to save without sacrificing protection.

What about Mexico or coastal trips?
Navigational limits vary by carrier. If you plan to travel to the coast or cross borders, tell us—we’ll make sure you’re covered.

Or request a quote online—tell us your year/make/model, hull ID, motor(s), storage location, and recent upgrades, and we’ll shop top carriers and send options you can compare side-by-side.

Boat Insurance Rockwall Texas