Local guide

Boat insurance on Lake Lewisville

Lake Lewisville is minutes from our office. Here is what local boat owners should think about before the season starts.

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Why boat insurance matters on a busy lake

Lake Lewisville is one of the busiest lakes in North Texas on summer weekends. More boats means more chances for a collision, a dock mishap, or someone getting hurt. Boat insurance generally includes liability protection, and often physical damage coverage for the boat, motor, and trailer.

Where you keep it changes things

A boat in a marina slip, on a lift at a lakeside home, or on a trailer in your driveway each carries different risks. Tell your agent where it lives and how far you tow it, whether that is Lewisville, Grapevine, Texoma, or the coast.

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What do you want to protect?

Texas rules worth knowing

Texas Parks and Wildlife requires most motorized boats to be registered. Boaters born on or after September 1, 1993 generally must complete a boater education course to operate certain vessels, including personal watercraft. Check tpwd.texas.gov for current rules.

What to have ready

  • Year, make, and length of the boat
  • Motor type and horsepower, if you know
  • Where you keep it and where you use it
  • Who will operate it
  • Your current policy, if you have one

What neighbors say

Real reviews from Google

4.1Google rating from 15 reviews
  • 5 out of 5 stars

    Karina was very knowledgeable and professional regarding insurance policies for my homes and vehicles. She gladly reviewed my policies several times with me and answered all my questions. Very comparable pricing. Highly recommend.

    DonnaGoogle review
  • 5 out of 5 stars

    Christianne with LucaBella Allstate helped me with my homeowners on my home close and really made things smooth. I highly recommend working with Christianne.

    JessieGoogle review
  • 5 out of 5 stars

    Good employees are hard to have all in one place, but at my agency, LucaBella has it all. Great job, helpful, and knowledgeable, and most of all, quick response. Thank you guys.

    MathewGoogle review

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Questions

Common questions

Does my homeowners policy cover my boat?

Some homeowners policies offer limited coverage for small boats, but it is often minimal. A separate boat policy is common. Ask your agent.

Do I need boat insurance in Texas?

Texas does not generally require it by law, but marinas and lenders often do.

Can I insure a personal watercraft?

Yes. Jet skis and similar watercraft can usually be insured on their own policy.

When should I get coverage?

Before the season and any time you buy a boat.

Talk it over with a licensed agent

Text a photo of your policy, call the office, or book a time.

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Text us a photo of your current declarations page. A licensed agent will look it over and tell you, in plain words, what you have and where you might have gaps.

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