Boat Insurance in East Texas

Keep your fun on the water covered.

Whether you're fishing on Lake Palestine or towing a jet ski to Tyler, the right boat insurance helps protect your ride, your gear, and your good time. At Tatum Insurance Group, we help East Texas boaters get watercraft coverage that fits how and where they boat—without the runaround.

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Made for lake days and long weekends.

Homeowners insurance might offer some limited boat coverage—but it often falls short when you’re actually out on the water. That’s why we build separate watercraft policies that make sense for bass boats, pontoons, jet skis, and more. We’ll walk you through liability, theft, trailer damage, and even gear protection, so you’re not left guessing. And whether you're on Lake Palestine, Lake Tyler, or a private spot in the pines, we’ll tailor your coverage to where you float most.

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Float Smart with Real Protection

Boat and watercraft insurance helps cover damage, theft, and liability when things don’t go as planned. We’ll help you choose a policy that fits your vessel, your lifestyle, and your budget.

Physical Damage Coverage

Covers repairs or replacement after collisions, sinking, storms, or theft.

Liability Coverage

Helps cover costs if you damage someone else’s boat or injure a passenger.

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Personal Effects & Gear

Optional coverage for rods, electronics, life jackets, and more.

Trailer & Transport

Covers your boat trailer and incidents during loading, towing, or transport.

Got questions about boat insurance in Texas?

  • Do I need separate boat insurance if I already have homeowners?

    Yes—most homeowners policies don’t fully cover your boat, especially on the water. A standalone policy gives you better protection and peace of mind.

  • Is boat insurance required on Lake Palestine?

    It’s not legally required in Texas, but many marinas and lenders do require proof of coverage. We recommend it for any watercraft you use regularly.

  • What’s covered for a bass boat or jet ski?

    We’ll help you protect the hull, motor, trailer, and gear. Jet skis and PWCs often need their own specific policies—we’ve got those too.

  • Can I get affordable coverage for an older boat?

    Yes! We work with multiple carriers and can often find solid coverage at a price that makes sense, even for older watercraft.