Fort Worth · Tarrant County · North Texas
Boat Insurance in Fort Worth, TX
Coverage for your boat, your gear, and everyone on board — so weekends on the lake stay easy.
What is boat insurance?
From Eagle Mountain and Grapevine to Possum Kingdom and the Gulf, Texas has more boaters than most states. A dedicated boat policy protects your investment far better than tacking a watercraft endorsement onto your homeowners.
We help Texas boat owners build coverage that fits their boat, how they use it, and where they store it — with real answers to the questions homeowners policies quietly skip.
What this covers
Coverage options for boat insurance
Every policy is built from a mix of the pieces below. We'll help you decide which you need — and which you don't.
Hull coverage
Physical damage to the boat itself from collision, sinking, fire, theft, and storms.
Liability
Bodily injury and property damage you cause to others while operating your boat.
Medical payments
Medical bills for you and your passengers after an accident, regardless of fault.
Uninsured boater
Protects you when another boater causes an accident and doesn't have coverage.
Personal effects
Fishing gear, electronics, life jackets, and personal items on board.
Trailer & motor coverage
The trailer, outboard motor, and towing setup — often overlooked but easy to add.
On-water towing & assistance
Fuel delivery, jump starts, and tow-in service when you break down on the water.
Personal watercraft (Jet Ski, Sea-Doo)
Standalone or add-on coverage for PWCs and small watercraft.
Who it's for
Is boat insurance right for you?
A bass boat or wakeboat owner on Eagle Mountain, Grapevine, or Possum Kingdom.
A pontoon owner who hosts family and friends and needs solid liability limits.
A saltwater angler running the Gulf Coast who needs offshore navigation coverage.
A Jet Ski or Sea-Doo owner wanting PWC coverage bundled with the tow vehicle.
Good to know
What boat insurance typically doesn't cover
No surprises at claim time. Here are the common exclusions and Texas-specific things to know before you buy.
- Wear-and-tear, gradual deterioration, and marine growth are not covered.
- Racing and organized competition use is usually excluded unless specifically added.
- Damage from freezing water in the engine block is often excluded — winterize properly.
- Commercial or charter use requires a commercial marine policy, not personal boat coverage.
Optional add-ons
Endorsements to consider
Small additions that make a big difference at claim time. We'll walk through which ones are worth it for you.
Why independent
We shop multiple carriers so you don't have to.
Captive agents can only sell one company's product. As an independent-style agency, we compare boat insurance across trusted carriers, find the best fit for your situation, and stay your single point of contact for the life of the policy.
- Multiple carriers, one honest recommendation.
- One point of contact for quotes, changes, and claims.
- Local Fort Worth agency — licensed to serve all of Texas.
How it works
Three simple steps to real coverage
1. Request a quote
Fill out the short form or call. A few basics is all we need to get started.
2. We shop it
We compare boat insurance across multiple carriers and bring you the best options.
3. You choose
No pressure. Pick the coverage and price that fit — we handle the paperwork.
Why a local agent
A real person for your boat insurance — right here in Fort Worth.
North Star Insurance Group is a Fort Worth agency licensed to serve all of Texas — Tarrant, Dallas, Collin, Denton, Hunt, and Rockwall counties and every community statewide. We treat every policy like it belongs to a neighbor.
- We know Texas lakes and the coverage gaps that trip up homeowners-only watercraft endorsements.
- Optional agreed-value coverage so you're not fighting over depreciation after a total loss.
- Multi-policy discounts for bundling with your auto or home.
- One local agent for boat, tow vehicle, and home — one call handles it all.
FAQ
Common boat insurance questions
Ready for a real quote on boat insurance?
No pressure, no jargon. Fill out the form or call — you'll usually hear back within one business day.
North Star Insurance Group
5751 Kroger Dr, Suite 28019
Fort Worth, TX 76244
Monday–Friday, 8:30 AM – 5:30 PM · Saturday by appointment only
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Learn more →Get your free boat insurance quote
Serving DFW and all of Texas.