Your Guide to Summer Boat Insurance in Central Texas

June 13, 2025

Protecting your boat, your passengers, and your peace of mind for a worry-free season on the water.

The Texas sun is high, the days are long, and the cool waters of Canyon Lake, the San Marcos River, and Lake Travis are calling your name. For many of us here in Central Texas, summer means one thing: getting out on the water. Whether you’re a seasoned captain of a ski boat, a proud new pontoon owner, or you love zipping around on a jet ski, your watercraft is more than just a vehicle—it's a significant seasonal investment in fun and memories.

But with that fun comes responsibility. Before you launch for a season of recreation, it's crucial to ask: Is my investment protected?

At San Marcos Insurance, we want you to enjoy every moment on the water with complete peace of mind. That’s why understanding your watercraft insurance is one of the most important steps you can take.

"Isn't My Boat Covered by My Homeowner's Policy?"

This is one of the most common questions we hear, and it's a dangerous misconception. While a standard homeowner's insurance policy might offer a sliver of coverage for a very small watercraft (like a canoe or a boat with a low-horsepower motor), it is almost always inadequate for the boats and personal watercraft (PWCs) we see on our local lakes and rivers.

Homeowner's policies typically have:

• Low Coverage Limits: Usually capping damage coverage around $1,000 - $1,500.

• Liability Exclusions: Coverage often only applies if an incident happens on your own property, not out on the lake.

• No Specialized Coverage: They won't cover things like wreckage removal, fuel spills, or on-water towing.

Relying on your homeowner's policy for your boat is like using a life vest as a parachute—it’s simply not the right tool for the job.

Core Coverages of a Dedicated Boat & Watercraft Policy

A specialized boat insurance policy is designed for the unique risks you face on the water. It protects your boat, your passengers, and your financial well-being. Here’s what a typical policy includes:

1. Liability Coverage: This is essential. If you are at fault in an accident, liability coverage helps pay for injuries to other people or damage to their property (their boat, their dock, etc.). Without it, you could be personally responsible for extensive medical bills and repair costs.

2. Physical Damage Coverage: This protects your own boat. It’s usually broken into two parts:

• Collision: Covers damage to your boat from a collision with another boat, a submerged object, or a dock.

• Comprehensive: Covers damage from non-collision events like theft, vandalism, fire, or storm damage (think of a Central Texas hailstorm!). This also protects your boat while it's in storage during the off-season.

3. Uninsured/Underinsured Watercraft Coverage: What happens if you’re hit by a boater who doesn't have insurance or doesn't have enough to cover your damages? This coverage steps in to protect you, covering repairs to your boat and medical bills for your injuries.

Valuable Add-Ons for Total Protection

Beyond the basics, you can tailor your policy to your specific needs with important optional coverages:

• Personal Effects: Protects the gear you bring on board, like expensive fishing equipment, coolers, water skis, and tubes.

• On-Water Towing and Assistance: If you break down on the water, this works like roadside assistance, covering the cost of a tow back to shore.

• Wreckage Removal: If your boat sinks, you are legally responsible for having it removed. This can be an incredibly expensive process, and this coverage helps pay for it.

• Fuel Spill Liability: Covers the costs associated with the cleanup of an accidental fuel or oil spill.

Protect Your Investment All Year Round

Your boat is a "seasonal" toy, but the risks of theft, fire, and storm damage exist year-round. A comprehensive policy ensures your boat is protected even when it’s shrink-wrapped in your driveway or sitting at the marina during the winter. It’s a small price to pay to safeguard a major asset.

Set Sail with Confidence This Summer

Don't let a mishap on the water sink your summer fun or your finances. Before you hook up the trailer, let the experts at San Marcos Insurance help you find the right coverage for your boat, jet ski, or pontoon. We’ll help you navigate your options and build a policy that fits your vessel and your budget.

Ready to hit the water knowing you’re fully protected? Call us today at (512) 396-3331 to request a free quote!

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Beyond the Commute: Insuring Your Boat, RV, and Motorcycle in Central Texas

December 3, 2025

Living in Central Texas isn't just about the great communities and proximity to Austin and San Antonio. For many of us, it's about the weekends. It’s about getting out and enjoying the incredible landscape that surrounds us. It's about launching the boat at Canyon Lake, taking a scenic motorcycle ride through the twists and turns of the Hill Country, or parking the RV for a long weekend getaway. Your "toys" are your ticket to freedom, but they also represent a significant investment and a major liability. A common and costly mistake is assuming your auto or home insurance policy automatically covers them. It doesn't. At San Marcos Insurance Agency, we help our clients protect their fun. Here’s what you need to know about insuring your recreational vehicles. 1. Boats on Canyon Lake & The Guadalupe Here’s the hard truth: Your homeowners insurance provides little to no meaningful coverage for your boat. It might cover a small canoe or kayak for liability on your property, but the moment you put a motor on it or take it to a lake, you're exposed. A dedicated boat policy is essential and covers: • Physical Damage: Protects the boat, motor, and trailer from theft, fire, or damage, whether it's on the water or in your driveway. • Liability: This is critical. It covers you if you cause an accident that injures another boater or damages their property (docks, other boats). • On-Water Towing: If you're stranded in the middle of Canyon Lake with a dead engine, this coverage is a lifesaver, paying for the tow back to the marina. • Wreckage Removal: If your boat sinks, you are legally responsible for the cost of removing it. This coverage handles that expense. 2. Motorcycle Rides in the Hill Country A motorcycle isn't just a smaller car; it carries entirely different risks. The winding roads around Wimberley and Dripping Springs are beautiful but demand respect. Standard auto insurance isn't enough. A motorcycle policy needs to include: • Guest Passenger Liability: Does your policy cover a passenger riding with you? Many don't unless you specifically add it. • Custom Parts & Equipment (CPE): You've spent money on custom pipes, a new seat, and chrome. Your basic policy won't cover those upgrades unless you add CPE coverage. • Higher Medical Payments: With a higher risk of injury, increasing your own medical payments coverage is a smart move. 3. RVs & Travel Trailers: A Vehicle or a Home? The answer is: it's both. And it needs to be insured that way. Your auto policy only provides basic liability when the trailer is hitched to your truck, and your home policy doesn't cover it at all. You need a dedicated RV or travel trailer policy, which combines the best of auto and home insurance: • Total Loss Replacement: If your new RV is totaled, this can help you get a brand new, comparable model, not just the depreciated cash value. • Vacation Liability: Covers you for injuries or property damage that happen at your campsite—for instance, if a guest trips over your awning. • Personal Effects: Covers all the stuff you keep inside your camper (grills, TVs, clothes, camping gear) that aren't part of the vehicle itself. • Full-Timer's Liability: If you live in your RV for months at a time, this provides broader liability protection that acts more like a homeowners policy. 4. The Bundle is Your Best Friend Here's the good news. Insuring your "toys" doesn't have to be complicated or expensive. Most carriers we work with offer significant discounts for "bundling." When you insure your boat, motorcycle, or RV with the same company that writes your home and auto policies, you not only simplify your life with one agent and one bill, but you can also unlock multi-policy discounts that save you serious money. Get Your Fun Covered Before you hook up the trailer or roll out the bike for your next adventure, let's talk. A quick 15-minute call with us can ensure your weekend fun is properly protected. Contact San Marcos Insurance Agency today for a free, no-obligation quote on your recreational vehicles.