Boat Insurance in Temple, Texas

What Is Boat Insurance?

Boat insurance is a specialized policy that protects your watercraft from damage, theft, and liability claims. For Temple boaters who enjoy Belton Lake, Stillhouse Hollow, or Lake Travis, boat insurance covers risks your auto or homeowners policy won't touch. Whether you own a bass boat, pontoon, ski boat, or fishing vessel, the right marine insurance policy keeps you protected on and off the water.

Winkler Insurance works with top marine insurance carriers to find Temple boaters comprehensive coverage at competitive rates. We understand the local waters and the risks Central Texas boat owners face.

Why Temple Boaters Need Boat Insurance

Taking your boat out should be fun—not stressful. Here's why boat insurance matters:

• Your homeowners policy has limits. Most home policies cap boat coverage at $1,500 or exclude watercraft entirely.


• Liability exposure is real. If you injure someone or damage another boat, you could face tens of thousands in claims.


• Theft happens. Boats are valuable targets, whether at the marina, in your driveway, or on a trailer.


• Weather causes damage. Texas storms can damage boats in storage or on the water.


• Lenders require it. Financing a boat means carrying full coverage insurance.

What Does Boat Insurance Cover?

A comprehensive boat insurance policy includes:

Hull Coverage
Pays to repair or replace your boat if damaged in a collision, storm, or covered accident. Coverage can be actual cash value or agreed value.

Liability Coverage
Protects you if you injure someone or damage property while operating your boat. Most policies offer $100,000 to $500,000 in liability limits.

Medical Payments
Covers medical expenses for you and passengers injured in a boating accident, regardless of fault.

Uninsured Boater Coverage
Protects you if another boater without insurance causes an accident.

Personal Property Coverage
Covers fishing gear, electronics, and equipment on your boat.

On-Water Towing and Assistance
Pays for towing if your boat breaks down on the water—a must-have for Temple boaters on large lakes.

Trailer Coverage
Protects your boat trailer from damage and theft.

Does My Auto or Homeowners Policy Cover My Boat?

Usually not adequately. Homeowners policies typically limit boat coverage to small watercraft under 25 horsepower and cap payouts at $1,500. Auto insurance does not cover boats or boat trailers in most cases. A standalone boat insurance policy provides the comprehensive protection your watercraft deserves.

How Much Does Boat Insurance Cost in Texas?

Boat insurance in Texas typically costs $200 to $500 annually for basic coverage, though larger vessels and high-performance boats cost more. Your premium depends on boat type, value, horsepower, storage location, and driving record. Temple boaters who store boats at home may pay less than those using marinas.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas boat owners find affordable marine coverage. As an independent agency, we shop boat insurance across multiple carriers—including specialists like American Modern and Foremost—to find the best protection for your vessel. Our Temple agents understand local boating and can recommend the right coverage.

Get a Boat Insurance Quote in Temple, Texas

Our boat insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.