Do You Need Special Insurance for Jet Skis and Small Watercraft in Odessa, TX?

If you own a jet ski or small watercraft, you might assume your existing auto or homeowners insurance has you covered on the water. In most cases, it does not. Understanding your options can save you from a costly gap in protection.

What Texas Requires for Watercraft Coverage

Texas does not mandate liability insurance for most personal watercraft, but that does not mean you should skip it. If you cause an accident on the water, you are personally responsible for damages, injuries, and legal costs. Many marinas also require proof of liability coverage before you can launch, so having a policy in place keeps your season running smoothly.

What Personal Watercraft Insurance Typically Covers

A dedicated watercraft policy may include:

• Liability coverage for bodily injury or property damage to others
• Collision and comprehensive coverage for your jet ski or boat
• Uninsured/underinsured watercraft protection if another party causes an accident and has no insurance or insufficient coverage
• Medical payments coverage for you and your passengers
• Coverage for towing assistance on the water and transport of your trailer

Coverage details vary by policy, so reviewing your specific terms is always a good idea.

Who Needs a Separate Policy

If you own a jet ski, pontoon boat, fishing boat, or similar watercraft, a standalone policy is typically the right fit. Homeowners insurance may offer limited coverage for small craft stored on your property, but it generally does not cover liability on the water, damage that occurs while the watercraft is in use, or losses that exceed the policy’s watercraft sublimit.

Get the Right Coverage on the Water

Contact HSB Insurance Agency, LLC to explore personal watercraft insurance options that fit your needs and your time on the water.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.