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Do I need boat insurance?

Is boat insurance legally required in Texas? I just bought a speedboat from a friend and am excited to take it out on the water.

Sophie Newman · Updated on Sep 15, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Unlike

, there are no laws in Texas stating you must have insurance for your boat or watercraft.

However, if you want to park your boat in a marina, you may be required to purchase

liability coverage

. Boat insurance might also be a good idea if you want to protect your asset from certain threats or regain the actual cash in case of an accident.

If you do want to look into boat insurance and you currently have a home or car insurance policy, consider requesting a quote with your company. Many insurance companies offer discounts when you bundle multiple policies.

You can also request quotes online to make sure you’re getting the best deal. If you’d like help finding the right policy and price for you, try using

. Text our friendly agents through the app and they can help you find the best rate for the coverage you want. And the best part–they do this for free.”

MORE:

Pros and cons of bundling home and auto insurance

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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