Texas Boat Insurance

Protect your boat and your crew from harm

Texas Boat Insurance

What you need to know

Do I need boat insurance in Texas?
If you have a smaller boat with less than 25 per hour horse power, odds are your homeowners or renters insurance can cover it. If, however, you have a larger watercraft or the value of your boat exceeds your existing policy limits, you need alternate coverage to protect your vessel. That’s where boat insurance can help.


What is boat insurance?
Boat insurance is designed to protect your personal watercraft against damages and theft, and to protect you against the expense of medical expenses you and your passengers might face while boating. It also offers liability coverage, with limits usually starting at $100,000.

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Type Of Boat Insurance Coverage in Texas

What kind of boat insurance should I get?

The type of policy you need depends on your unique situation, but you should consider carrying coverage for:

  • Physical damage
  • Liability
  • Theft
  • Motor
  • Trailer
  • Boat coverage
  • Medical payments
  • Communication devices
  • Docking fenders

When choosing a boat insurance agency in Texas, you want a company you can trust. We are an independent insurance agency born and raised in Texas. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

As an independent, full-service insurance agency, our duty is to our clients, not the insurance companies. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.

Since 1987 the goal of VGW Insurance has been to provide the best in customer service, pricing, claims handling and professional advice to all of our clients, all of the time. After many unsatisfying customer service experiences of his own, Glen VerHagen a Certified Insurance Counselor, decided to make a stand. ” I can’t control everyone, but I can be certain that the type of poor customer service people have been forced to become accustomed to will not happen here at VGW Insurance.”

Since then, that has been our foremost priority in dealing with our clients, and in today’s times it clearly sets us apart. We won’t settle for anything except superior customer service, professional consultation and a caring atmosphere, and neither should you.

For well over twenty years, we have proudly served the residents of the Great State of Texas for all of their insurance needs. We have grown into one of the top independent agencies in the nation. As prior winners of The Hartford Insurance Company’s National Top Personal Lines Agency Award, Travelers Insurance Company’s Southwest Regional Agency of the Year Award and America First Insurance Company’s Top Producing Agency Award, we have come a long way.

We not only offer many choices of companies but we also have many different policy types available including multiple coverage options for commercial property, garage insurance, contractor insurance, dry cleaners insurance coverage, personal home and auto, business auto insurance, workers compensation insurance coverage and much more. We will be happy to discuss the differences in the coverage and how they will impact you.

Ready to sign up, or have questions? Call Us at 972-771-7373

We’ll provide you with a free, no obligation quote.