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Insurance Near You
You don’t have to go far to get reliable coverage. Our Weslaco boat insurance serves the surrounding area, providing personalized, comprehensive policies that let you focus on enjoying your time on the water—not worrying about what could go wrong. Contact us today to protect your boat and your peace of mind.
What is Boat Insurance?
Boat insurance is designed to protect your personal watercraft—motorboats, sailboats, or jet skis—from financial loss. Coverage typically combines protection for your vessel, liability for damages to others, and medical expenses in the event of an accident.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
What Is Covered By A Boat Insurance Policy?
A boat insurance policy may include any or all of the following 6 types of coverage, though this list is not exhaustive.
Bodily Injury Liability
Protects you if someone is injured or killed in an accident caused by your boating.
Medical Payments or Personal Injury Protection (PIP)
Pays medical expenses for you and your passengers after a covered incident.
Property Damage Liability
Covers damage your boat may cause to another boat, dock, or personal property.
Collision
Repairs or replaces your boat if damaged in a collision, regardless of fault.
Comprehensive Coverage
Covers non-collision events like theft, fire, hail, or flooding.
Uninsured and Underinsured Motorist Coverage
Protects you if your boat is damaged by someone without sufficient insurance.
Frequently Asked Questions About Boat Insurance
Learn more about boat insurance in Weslaco by exploring the answers to common questions, and then contact us for additional information.
- Is boat insurance required in Texas?
No, Texas does not legally require boat insurance. However, it’s a smart way to protect your investment and prevent costly repairs or liability expenses.
- How much does boat insurance cost in Weslaco?
Rates vary depending on your boat’s type, age, value, how and where you store it, and the coverage limits you choose. We help you find coverage that fits your needs and budget.
- Can I take my boat outside Weslaco?
Yes, but many policies have navigation limits. We can help you select a policy that fits your boating habits, whether locally or on longer trips.
- Will I pay a deductible on a claim?
Yes, most policies require a deductible. Choosing a higher deductible may lower your premium.
- Are personal watercraft (PWC) like jet skis covered?
Yes—many policies include PWCs. We’ll help you decide if a PWC-specific policy or adding it to your boat insurance is best.
- How can I save on boat insurance in Weslaco?
Discounts may be available for completing boating safety courses, installing anti-theft devices, bundling policies, or having boating experience. We review all options to help you save.
Why Choose SafeGuard Insurance Agency in Weslaco?
We’re a local, independent agency that puts Weslaco boaters first. Read our success stories
and contact an agent today to learn more about our ability to customize your quote to your requirements.
Insurance Agency You Can Trust
Whether you’re looking for auto, home, life, transportation, or business insurance, or a combination of different coverages, SafeGuard Insurance Agency in Weslaco, TX delivers complete insurance solutions designed around your lifestyle. As an independent, full-service agency with multiple offices across the Rio Grande Valley, we go beyond basic coverage to offer personalized guidance and dependable protection. Our experienced team works for you—not the insurance companies—so you can count on honest advice, competitive rates, and peace of mind knowing your future is secure.
