Boat Insurance

Daniel Medina Insurance boat insurance covers physical damage, liability and more. Plans Available for Fishing, Pontoon, Sailboats & More. Learn more about our boat insurance coverage and get a quote today. 

Boat insurance in Texas

In a matter of minutes, you can get a quote for boat and yacht insurance. For boats, we offer 12-month coverage with our policies. For yachts, our specialized coverages will provide you with peace of mind.


Boat and Yacht Insurance Discounts

Check out a few of Daniel Medina’s Insurance discounts aimed at lowering your Boat insurance cost.*Disclosure

Education Discounts

Save up to 5% per boat for safe boating courses, including Power Squadron and U.S. Coast Guard, and up to 10% per boat for advanced courses.

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Already have another policy with Daniel Medina Insurance, such as auto, home, renters, RV, or boat? We’ll add a discount for bundling to your boat policy.

Boat Equipment Credits

Equipment credits are available for safety equipment, such as built-in fire extinguisher systems and burglar alarms.

What Does Boat Insurance Cover?

  • More Inclusive Basic Coverage

    Protection for which other carriers may demand additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing, fuel spills and dinghy.

  • Physical Damage Coverage

    Provides protection in the event of a collision such as with a submerged object or another boat


Liability Coverage

For bodily injury or damage to the property of others.

Personal Property Coverage

Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.

Towing and Assistance Reimbursement

To transport your boat to a repair facility when it’s inoperable and you’re stranded. Gas delivery for boats and roadside assistance are also available.

FAQ - Boat Insurance Policy Basics

What Is Boat Insurance, and Why Do I Need It?

Boat and yacht insurance — sometimes referred to as marine insurance — is designed to protect you and everyone who shares the water from the potentially high cost of accident-related and other damages or injuries. It is a contract between you and your insurance company in which you pay a certain amount — or “premium” — to the insurance company in exchange for a set of available coverages you select. If you finance or lease your vessel, your lender may require specific insurance coverages and limits.

Carrying boat or yacht insurance is a smart decision. Contrary to popular belief, your vessel is not covered under your car or homeowners policy. If you cause an accident or get into one with an uninsured or underinsured operator, you may be held responsible to cover related expenses, such as repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk.

Working with an insurance representative to create a marine insurance policy that fits your individual needs and budget can help protect you, your loved ones and your assets in the event there is a boating accident.

Which Type of Marine or Other Policies Do I Need to Protect My Boat?

Daniel Median Insurance offers comprehensive coverage options, for a variety of vessels. Here is a general guide to help you find the right policy to insure your boat — in and out of the water.

Boats under 26 feet, including hybrids and electric vesselsBoat Insurance
Boats 26 feet or longer, including hybrids and electric vesselsYacht Insurance
Antique and classic runabout boatsBoat Insurance
Any boat or trailer, in transitBoat Insurance or
Car Insurance
(with applicable endorsements)
Any boat, in storage out of the waterYacht Insurance
Homeowners Insurance
(with applicable endorsements)