Watercraft & Boat Insurance

Boat insurance is a type of insurance policy designed to protect your investment in your watercraft. Similar to car insurance, boat insurance offers financial protection in the event of damage or loss to your boat or its contents, as well as liability coverage in case you cause damage to another person’s property or injure someone while operating your boat. 

JS Edwards & Sherlock is proud to provide boat insurance solutions to residents of Beaumont, Texas, and the surrounding areas. Reach out today for your boat insurance quote.  

What Is Boat Insurance and What Does It Cover?  

Boat insurance is a type of personal insurance solution that helps boat owners gain financial protection against covered losses that may occur. Boat insurance policies vary in coverage and cost, but most policies cover some or all of the following: 

• Boat liability coverage

• Comprehensive/collision coverage

• Medical payments coverage

• Uninsured/underinsured boater coverage

Work with a JS Edwards & Sherlock agent to determine if any other coverage options meet your boat insurance needs.  

How Much Boat Insurance Do I Need?  

The amount of boat insurance you need depends on several factors, including the value of your boat, its use, and where you use it. Many marinas require proof of liability insurance before allowing you to dock your boat, and some states require boat insurance for boats over a specific size or horsepower. Speaking with an insurance agent is essential to determine the right coverage for your needs. 

How Does Boat Insurance Work?  

Boat insurance is like any other insurance policy. You will purchase coverage from an insurer and in exchange for those protections for the policy’s term, you agree to pay the insurer a premium. If you experience damage to your boat, such as from a collision or storm, you must file a claim with your insurance company. Your insurance company will investigate the claim, and if your policy covers it, they will pay for the repairs or replacement of your boat. In the case of liability claims, your insurance company will work to settle the claim with the other party and pay any damages you owe up to the limit of your policy. 

How to Buy Boat Insurance 

Boat insurance is an essential investment for anyone who owns a boat. It provides financial protection for your vessel, your personal property and your liability while on the water. To ensure that you have the right coverage for your needs, speak with JS Edwards & Sherlock so we can help you get the coverage you need at a price you can afford. With the right insurance policy in place, you can enjoy your time on the water with peace of mind.