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4429 De Zavala Rd
San Antonio, TX 78249

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What Types of Damage Does Boat Coverage Cover?

When you’re out on the water, enjoying the serene beauty of San Antonio, TX, the last thing you want to worry about is potential damage to your boat. That’s where comprehensive boat coverage from Shavano Insurance Agency LLC comes into play. While many boat owners understand the importance of insurance, they may not be fully aware of the extent of coverage available for their watercraft.

  1. Physical Damage Coverage: Boat insurance typically includes coverage for physical damage to your vessel. This encompasses damage resulting from collisions, storms, fires, theft, vandalism, and other unforeseen events. Whether your boat suffers hull damage or requires repairs due to an accident, physical damage coverage helps offset repairs or replacement costs.

  2. Liability Coverage: Accidents happen, and if you’re found liable for injuring someone or damaging property while operating your boat, liability coverage can offer financial protection. It helps cover legal fees, medical expenses, and property damage costs incurred by third parties, providing peace of mind and safeguarding your assets.

  3. Medical Payments Coverage: In the unfortunate event of an accident resulting in injuries to you, your passengers, or even water skiers being towed by your boat, medical payment coverage can help cover medical expenses. It ensures that necessary medical treatments, hospital bills, and related costs are taken care of promptly, regardless of fault.

We understand the unique risks associated with boating in San Antonio, TX, and beyond. Our customizable boat coverage options are designed to meet your specific needs, offering comprehensive protection and invaluable peace of mind on the water. Contact Shavano Insurance Agency LLC today for expert guidance and a personalized insurance plan tailored to your needs. 

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.

Navigating the Seas of Boat Insurance

Boating is a fun and popular pastime, but it’s important to protect your investment with boat insurance from Shavano Insurance Agency LLC. Whether you own a small fishing boat or a large yacht, boat insurance can provide financial protection in case of accidents or damage.

Why Boat Insurance?

First and foremost, boat insurance provides liability coverage in case you are found at fault for an accident that causes injury or damage to another person’s property. It also covers damage to your own boat, whether caused by collision, theft, or other perils. Additionally, boat insurance can provide coverage for medical expenses if you or your passengers are injured in a boating accident.

When choosing boat insurance, it’s important to consider factors such as the type and value of your boat, as well as the area in which you will primarily be using it. Shavano Insurance Agency LLC offers boat insurance options to fit the needs of our customers in San Antonio, TX and the surrounding areas.

It’s also important to understand the difference between insuring your boat for its market value or for its replacement value. Market value is the amount your boat is worth based on its age and condition, while replacement value is the cost to replace your boat with a new one.

In addition to providing financial protection, boat insurance can also offer additional coverage options such as towing and assistance, personal property coverage, and even coverage for loss of use.

Give Us A Call

At Shavano Insurance Agency LLC, we understand the importance of protecting your investment and we are dedicated to helping our customers in San Antonio, TX and the surrounding areas find the right boat insurance policy for their needs. Contact us today to learn more about the boat insurance options available to you.

Why Every Boat Owner Needs Boat Insurance

When you own a boat, you’ve invested a lot into it. You need to keep it protected with a boat insurance policy. It’s important to have it in place at all times so that your boat, and you, are always protected. There are many risks that exist for boats, and boat insurance can help you to mitigate those risks. If you have a boat that isn’t insured, call us at Shavano Insurance Agency LLC in San Antonio, TX to get started. 

Boats and Risks on the Water

Your boat faces a lot of risks on the water, and these include risks that you are liable for. When you get into an accident on the water that is your fault, you are liable for the damage that is caused to others. You could face paying a lot of medical bills due to injuries sustained in the accident. It’s a good idea to have liability insurance coverage for your boat so that these bills can be paid by the policy. It’s also a good idea to have collision coverage so that the damage to your own boat is covered if you are in an accident. 

Other Types of Coverage

Comprehensive coverage is a type that covers the boat when it isn’t on the water. There are many risks that boats face when they are on land, and it’s a good idea to have this coverage to protect the investment you’ve made in your boat. There is also lost article coverage that pays for items that you lose during an accident with your boat. 

Protect Yourself With Boat Insurance

It’s always smart to have boat insurance, even though boat insurance isn’t required in Texas. You can stay protected with a boat policy y calling us at Shavano Insurance Agency LLC in San Antonio, TX.

6 Boat Insurance Terms to Know

Setting up your boat insurance can be a tricky task. If you aren’t familiar with the process, you might be a little overwhelmed with the industry-specific terms that are used in the paperwork. The following are some of the more commonly used words and phrases you’ll want to understand before you sign up. 

Agreed Value 

When you have this policy type, you and the insurance company come to an agreement about the value of your boat and its hardware before you start out with the policy. If you experience a total loss of your boat, this is what will be paid out from your policy. It’s the opposite of actual value, which means compensation for the current market value when you make a claim. 

Blue Water

This is the determination of your vessel’s navigational territory in waters that are more than five miles from land. On the other hand, brown water is the determination of navigational territory within five miles of the coast. 

Date Restrictions 

Under some policies, you’d only have insurance coverage between certain dates. This may lower your payments for those months when you likely won’t be able to use your boat due to the weather conditions. 

Lay-Up Period

This is the time period when you won’t use your boat. If a lay-up period is part of your policy, stay aware of the dates. 

Pollution Liability 

If this is part of your policy, you’ll have coverage if your oil or fuel discharges into the water. 

Towing Liability 

You should have this coverage if you expect that you’ll pull or tow anything behind your boat.   

If you need further information and clarification on these terms and to break down anything else in your policy documents, be sure to talk to an agent from Shavano Insurance Agency LLC of the San Antonio, TX area. Contact us and we’ll do our best to make the whole process easier. 

Benefits of Boat Insurance

San Antonio, TX happens to have some beautiful lakes, making it a good place to enjoy most boating activities. And if you happen to own a boat, you should probably consider insuring it. Some boat owners might feel that, since boat accidents are not common, insurance is not really necessary. However, boat insurance is not just for accidents. As Shavano Insurance Agency LLC explains, here are some of the benefits you will enjoy from insuring your boat.  

Protect Your Investment

Buying a boat is a huge investment, and so you need to have financial protection should anything happen. For instance, a crash, storm, or fire might damage your boat and injure your passengers as well. In such circumstances, insurance will help you cover those damages, protecting you from a significant financial loss.  

Medical Coverage

As much as boating accidents are rare, they happen and can cause injuries to you or your passengers. Treating those injuries can be expensive, especially if multiple people have been injured. Here is where boat insurance comes in. It will help you cover any medical bills, saving you the trouble of paying those bills from your wallet.

Protect You from Lawsuits

If you are found a fault in a boat accident that injured a swimmer, passenger, or another boat, you may just find yourself sued. In such circumstances, boat insurance will help cover the resulting legal fees and medical fees, plus the cost of repair.

Peace of Mind

Boat insurance can buy you peace of mind. You will not have to keep worrying about the financial loss you will go through if the boat is stolen, gets into an accident, or injures other people. The insurance will cover those costs.

Therefore, if you own a boat that you use often, it makes sense to protect it and yourself as well. If you live in  San Antonio, TX, you can talk to our team of experts from Shavano Insurance Agency LLC. We will provide you with the details you need on boat insurance and help you pick coverage.

Who should get boat insurance?

In the San Antonio, TX area, the hot weather that occurs for a long part of the year can make it a great area to own a boat. When you have a boat in this area of Texas, you will continue to have many opportunities to have fun on the local waterways. Before buying a boat and taking it out on open water, you need to obtain insurance. There are several situations when someone here should get boat insurance coverage. 

Those that Take Out a Loan

A situation when you should get boat insurance is when you are going to take out a loan. Buying a boat will always come with a big investment, and many buyers will use a loan to complete the purchase. If you have taken out a loan, you need to know your boat insurance requirements. In many cases, you will need financing as long as the loan is outstanding.

Those that Want Liability Coverage

While using a boat is a relatively safe activity for diligent operators, mistakes and accidents can always happen. If you make a mistake that leads to damages, you will have to pay for full restitution. When you get a boat insurance plan, it will include liability coverage to protect you in these situations. 

There are many situations when someone in the San Antonio, TX area should get a boat insurance policy. As you are shopping for your next plan, it would be a good idea to speak with Shavano Insurance Agency LLC. The Shavano Insurance Agency LLC team can offer you a lot of support that will help you pick a new policy. The team here will do this by carefully assessing your individual situation and building a plan accordingly. 

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