Boat and trailer coverage is split across two policies in most cases — the auto policy for the trailer (while towing), and a separate watercraft policy for the boat itself.
What auto policy covers
Liability for damage you cause while towing the trailer. Does not cover the boat or the trailer itself.
What watercraft policy covers
- Physical damage to the boat
- Physical damage to the trailer (usually included)
- Liability while operating the boat
- Medical payments for guests on board
Frequently asked questions
Does my auto policy cover my boat?
No. You need a separate watercraft policy.
Is boat trailer damage covered by auto?
Only if you carry a separate trailer endorsement or watercraft policy.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.