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Houston, TX
Keep a bay boat at a Clear Lake slip or a pontoon on Lake Conroe? Dragon Insurance compares Progressive, Liberty Mutual, National General, and Foremost for Houston boaters in one call, then matches the limits your marina or lender asks for. You see how each policy treats a named storm before you choose.
Call for a quote on the spot. Online requests answered within 1 hour on business days.
Quick Answer
Is boat insurance required in Texas? No state law makes you insure a recreational boat. Houston marinas commonly write a liability limit into the slip lease, and lenders typically require hull coverage on a financed boat. Call 717-229-5115 and we quote to the exact limit your paperwork lists.
Houston boaters split their time between salt and fresh water, and each side brings its own claim.
Storm prep covers the tow vehicle too. Check whether your car insurance covers flood damage before you drive the trailer out of a flood zone.
A boat policy is built from separate coverages. Here is what each one pays for on Houston water, so you know what to ask for on the call.
Liability
Pays for injuries and damage you cause to other people, boats, and docks, guests on your own deck included. It is the limit a Clear Lake slip lease names, so we quote it to match the lease.
Hull: agreed value vs. actual cash value
Agreed value locks in the payout on a covered total loss when the policy starts. Actual cash value pays the depreciated worth on the day of the loss. After a Gulf storm, that gap decides the check, so we price both on your boat.
Uninsured boater
Texas has no boat insurance mandate, so the boater who hits you on a packed bay weekend may carry nothing. This pays for injuries to you and your passengers when the at-fault operator cannot.
Towing and on-water assistance
Covers a tow back to the ramp when you ground on a bay flat, foul a prop, or run the tank dry. On water averaging about 7 feet deep, that call comes up more often than owners expect.
Fuel spill liability
Pays your share of cleanup and related claims if fuel or oil leaks from your boat. In a crowded marina basin, a spill reaches neighboring slips fast.
Trailer
Covers physical damage to the trailer that hauls your boat up I-45 to Lake Conroe or out to a bay ramp. Some policies include it and some add it, so we make sure it appears on your quote.
Want every boat coverage in one place? Compare boat insurance quotes with Dragon.
Insurance is your call in Texas, but the Texas Parks and Wildlife Department (TPWD) sets who may drive your boat and how it is registered. Carriers ask about both.
Want the full statewide picture, including PWC age limits and the deferral option? Read our Texas boat insurance guide.
One call replaces four separate quote forms, and the policy you leave with fits the way you actually use the water.
See how the carriers stack up in our best boat insurance companies of 2026 roundup, or browse every line we write on our Houston insurance page.
Questions Houston bay and lake boaters ask us most often.
No Texas law requires insurance to register or run a recreational boat. In practice, most Houston owners still need a policy: marinas around Clear Lake and Kemah commonly write a liability limit into the slip lease, and a lender financing the boat typically requires hull coverage until the loan is paid. We quote to the exact limit your lease or loan lists, so your proof of coverage is accepted the first time.
Progressive reports that its average Texas boat policy cost $650.46 a year for policies with one watercraft written from December 2024 through November 2025. Your Houston price can run higher or lower depending on the boat's value, length, and horsepower, where it is kept, whether you run Galveston Bay or a freshwater lake, and your boating history. Call 717-229-5115 and we price your boat with Progressive, Liberty Mutual (formerly Safeco), National General, and Foremost on the same call.
Hull coverage on a boat policy typically responds to storm damage, but terms around named storms differ by carrier and policy. Some policies carry a separate named-storm deductible, and some help pay to haul the boat out ahead of a storm. Ask about both before June 1, when the Atlantic hurricane season opens. When we quote, we lay those terms side by side so you pick a policy that fits your storm plan.
Often, yes. Every boat policy defines a navigation area, and carriers treat Gulf saltwater differently from an inland reservoir. A bay boat that runs past the jetties into the Gulf needs a policy whose navigation area reaches that far offshore, while a pontoon that never leaves Lake Conroe or Lake Houston can be quoted for inland use. Tell us where you actually run and we quote the navigation area to match.
Texas requires boater education for anyone born on or after September 1, 1993 who operates a boat with a motor over 15 horsepower, a personal watercraft, or a windblown vessel over 14 feet on public water. Operators covered by the rule must carry the card and a photo ID. List every person who drives your boat when we quote so the policy reflects who is at the helm.
For boats we compare Progressive, Liberty Mutual, National General, and Foremost. Each prices a Houston boat differently based on its value, where it is kept, and the waters it runs, so we quote all four that fit your boat and show you price and coverage together. We can also bundle the boat with your Texas auto or home policy.
Have the year, make, model, and length of the boat, the hull identification number, the motor type and horsepower, and trailer details if you tow. Add where the boat is kept, which waters you run, every operator, and any insurance terms from your marina or lender. With those in hand, we quote on the call and can bind coverage once you pick a policy.
Bay area, statewide estuary rank, and average depth.
Surface area, location, and standing timber advisory.
Atlantic season dates and peak.
Birth date rule, vessel thresholds, registration, and outboard titling.
2025 average annual Texas boat policy cost, December 2024 through November 2025.
Sources checked October 2026.
Blog
More guidance for Texas boat owners on the bay and the lakes.
October 8, 2026
Is Boat Insurance Required in Texas? TPWD Rules, Boater Education, and the Coverage Texas Waters Call For
Texas law does not require boat insurance, but slip leases, boat loans, and storage agreements usually do. Here are the TPWD boater education, registration, and titling rules, the coverages that fit the Gulf Coast and Texas lakes, and how Dragon quotes your boat.
Read article →
June 7, 2026
Best Boat Insurance Companies 2026: Progressive, Safeco, National General & Foremost
Best boat insurance for 2026: Dragon shops Progressive, Safeco, National General, and Foremost. Agreed value beats ACV at total loss. On-water towing, uninsured boater, and navigation territory explained. Get a free quote to see rates for your situation.
Read article →
July 13, 2026
Hurricane Season Insurance Prep for Virginia and Maryland Homeowners and Boat Owners
Standard homeowners insurance never covers flood or storm surge, and coastal Virginia and Maryland policies often carry a separate named-storm deductible worth thousands. Here is what to check before the next watch or warning.
Read article →
Houston, TX
Bay boat, cruiser, pontoon, or PWC: we price it with Progressive, Liberty Mutual, National General, and Foremost, match your marina and lender limits, and can bundle it with your Texas auto or home policy.
Independent agency, licensed in Texas · 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011
