What Does Boat Insurance Cover?
Whether you have a fishing boat, ski boat, pontoon, or personal watercraft, the right boat policy protects you on and off the water.
Physical Damage
Covers damage to your boat, motor, and trailer from collisions, fire, theft, vandalism, sinking, and weather events like hail and windstorms.
Liability Coverage
Pays for bodily injury or property damage you cause to others on the water. Essential protection for any boater — accidents on the water can be costly.
Medical Payments
Covers medical expenses for you and your passengers if injured in a boating accident, regardless of fault.
Uninsured Boater Coverage
Protects you if you're injured by a boater who has no insurance. Similar to uninsured motorist coverage for your car.
Towing & Assistance
Pays for on-water towing if your boat breaks down, runs out of fuel, or needs emergency assistance — so you're never stranded.
Personal Property
Covers fishing equipment, electronics, water sports gear, and other personal items stored on your boat against theft or damage.
Protecting Boaters on Texas Lakes
Lake Tyler & Lake Palestine
East Texas's most popular local lakes for fishing, skiing, and family recreation. Whether you're out for a weekend or keeping your boat at a marina, we've got you covered year-round.
Sam Rayburn Reservoir
One of Texas's largest lakes and a bass fishing destination. Bigger water means bigger risks — strong storms can develop quickly. Proper coverage is essential for anyone spending time on Sam Rayburn.
Seasonal & Year-Round Policies
We offer flexible coverage options including seasonal policies for those who only boat part of the year. Ask Hunter about lay-up discounts during months your boat is stored.
A Local Agent Who Works for You
With 284 five-star Google reviews and 17+ years of experience, Hunter Chaumont knows how to find the right coverage at the right price.
We Shop Top Carriers
We compare options across leading carriers to make sure you get the best value — not just the easiest sale.
Plain English Explanations
No jargon. You'll know exactly what you're covered for and what you're not — before you sign anything.
Real People. Real Answers.
Call or text and reach a real agent — not a call center. We pick up. We follow up. We're here when you need us.