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Shavano Insurance Agency, LLC

4429 De Zavala Rd
San Antonio, TX 78249

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Shavano Insurance Agency, LLC Blog

What Boat Insurance Policies Cover

Boat insurance policies have the potential to offer a wide variety of coverage options that offer protection if you own/operate a boat or watercraft. If you are a boat owner in the greater San Antonio, TX area, the insurance professionals at Shavano Insurance Agency LLC can help you find the most suitable insurance coverage for your watercraft.

Boat Insurance Coverage Options

Coverage for boats will vary, depending on the policy and your boating insurance needs, but typically includes:

Physical Damage to the Boat

If damaged by a covered peril, this portion of the policy covers the expenses related to repairs or replacement.


If the insured, while operating the boat, causes property damage/bodily injury to another individual, it may cover medical expenses, legal fees, etc.

Medical Payments

Regardless of who may be at fault, this covers medical costs for you and your passengers if injured on the boat.

Uninsured/Underinsured Boater

This helps cover expenses if a party to the accident is underinsured/uninsured.

Personal Property

Personal property on the boat – fishing gear or electronics, etc. that is damaged or lost may be covered.

Other optional riders/coverage includes –

  • Towing and Emergency Assistance
  • Wreck Removal
  • Fuel Spill Liability, and more.

Note that some policies might establish navigation limits  – parameters that define where you can operate the watercraft. Extending past these limits might impact coverage.

Schedule A Consultation Today!

Keep in mind boat insurance varies widely, so it is essential to review your boat insurance policy terms and discuss your specific insurance needs with a licensed provider to ensure that you have the right coverage for your boat and your boating activities. Contact Shavano Insurance Agency LLC serving the greater San Antonio, TX area.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • Aegis
  • Allied Trust
  • American Modern
  • AmTrust
  • Assurant
  • Beazley
  • Berkshire Hathaway Guard
  • Bristol West
  • BTIS
  • CatCoverage
  • Chubb
  • ClearCover Insurance
  • CNA
  • Cypress Texas
  • Dairyland
  • Employers
  • Encompass
  • Foremost
  • Gainsco
  • Hagerty
  • Hiscox Insurance
  • Home Owners Of America
  • Infinity
  • Kemper
  • Lemonade Insurance Company
  • Liberty Mutual
  • Markel Specialty
  • MetLife
  • MissionSelect
  • National General
  • Nationwide
  • Next Insurance
  • Orchid
  • Progressive
  • RLI
  • Safeco Insurance
  • State Auto
  • Texas Fair Plan
  • Texas Mutual Insurance
  • Texas Windstorm Insurance Association
  • The Bond Exchange
  • The General
  • The Hartford
  • Travelers
  • Trexis
  • US Assure
  • USLI
  • Wellington