Boat Insurance in Tomball, TX - Protect Your Watercraft

Coverage That Keeps You Confident On Texas Waters

Boating in the Houston area comes with unique risks-whether you launch on Lake Conroe, cruise Clear Lake, or spend weekends on Galveston Bay. O'Sullivan Integra provides boat insurance Tomball TX owners can trust for fishing boats, pontoons, sailboats, and personal watercraft. While Texas doesn't require boat insurance by law, marinas, lenders, and common-sense protection often do. As part of our auto and recreational solutions, we'll compare carriers and tailor coverage before your next outing.

What Your Boat Policy Should Cover

A strong policy should protect you, your passengers, and your investment:

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Liability Coverage

Helps cover injuries or property damage you cause on the water.

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Hull & Equipment

Physical damage to your boat, motor, and permanently attached gear.

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Theft & Vandalism

Coverage whether your boat is in storage, at the marina, or on the trailer.

Person driving a motorboat on wavy water.

Uninsured/Underinsured Boater

If another boater lacks adequate coverage.

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Medical Payments

For you and your passengers after a covered incident.

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Trailer Coverage 

Protects your boat trailer on the road and at home.

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Personal Watercraft (PWC)

Options for jet skis and WaveRunners with limits that match real-world risks.

Answers For Houston-Area Boaters

  • Will my homeowners policy cover my boat?

    Generally, only limited coverage may apply to small boats at home. For on-water protection, a dedicated boat policy is the right fit.

  • Can I insure year-round if I use the boat only in summer?

    Yes. Year-round protection helps with off-season risks like theft, storms, and storage damage.

  • What about jet skis and PWCs?

    We offer specific PWC coverage designed for higher performance and unique liability considerations.

Local Guidance For Storms, Storage & Marinas

From spring hail to late-season tropical systems, our region calls for thoughtful limits and deductibles. O'Sullivan Integra can discuss named-storm considerations if you venture toward the Gulf and review how your coverage applies at marinas around Lake Conroe or when your boat is stored at home. If your property sits in a flood-prone area, consider a separate Flood Insurance policy for buildings or boathouses.

Ready To Launch With Confidence

Before you trailer to Lake Conroe Park or head south toward the bay, make sure your policy fits the way you boat. O'Sullivan Integra will compare quotes, explain coverage clearly, and tailor protection for your hull, gear, and passengers.