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549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

What advantages will come when I have a full boat/watercraft insurance plan?

Enjoying Summer Boating Safely in Coppell, TX With Insurance Plans

Investing in a watercraft or boat in the Coppell, TX area is an excellent way to capitalize on the long Texas summers. Insurance for your boat will ensure your summers remain carefree and protected. A boat insurance plan provides invaluable coverage in two main areas: asset protection and liability management.

Protecting Your Watercraft

In Texas, owning a boat is a significant investment due to the cost of purchasing and maintaining watercraft. Having the right boat insurance in place assures continued enjoyment of your asset. The ideal boat insurance plan provides the necessary support to replace or repair your boat under different circumstances.

Managing Liability

Another benefit of a boat insurance plan is the management of liability risks. You could be held responsible if an unforeseen accident occurs while using your boat. An adequate insurance plan covers these damages, ensuring comprehensive support.

Your Trusted Insurance Partner

If you’re in the Coppell, TX area and considering full boat insurance coverage, David King Insurance Services LLC is here to help. Our professionals will guide you properly, helping you assess your options and structure a new plan.

Boater Education: What You Need To Know

David King Insurance Services LLC serves Coppell, TX area boaters with all their insurance needs. According to Texas law, your teenager can operate a powerboat without supervision only if he or she has passed a boater education course that TPWD accepts. If you are boating with your family, maybe it’s time to get your teenager into boater education. 

What to Know Before You Go

 Your first step is to call the TPWD Law Enforcement division at 512-389-4846 and select option four on the phone menu. You’ll get in touch with a boater education specialist and be able to schedule a class. Fees start at $11 for a basic course. As Texas state law requires all children under 13 to wear a Coast Guard-approved life jacket, your child likely already has one. However, as your child is getting bigger, now is a good time to see if they need to go up a size. A life jacket is something that must always fit perfectly. 

If your teenager asks this, you could explain that the purpose of boater education is so that they can learn how to operate a boat safely. They will also learn boater etiquette. Remind them that they need a license if they want to buy their own boat someday.

Reach Out To Us

If you need boat insurance and live in or around Coppell, TX, please call David King Insurance Services LLC. We’re here to help. 

How Seasonal Changes Affect Your Boat Insurance Needs

Boating enthusiasts in Coppell, TX know that the joys of spending time on the water can be affected by seasonal changes. As the weather shifts, so do the needs of boat owners, particularly when it comes to insurance. David King Insurance Services LLC is here to help you navigate these changes and ensure that your boat insurance coverage is tailored to your needs throughout the year.

How Seasonal Changes Affect Your Boat Insurance Needs

During the warmer months, boat owners in Coppell, TX are more likely to be out on the water, enjoying the sunshine and good times with friends and family. With increased usage comes a higher risk of accidents and incidents, making it essential to have adequate boat insurance coverage during this period. Regularly reviewing your policy with David King Insurance Services LLC will help you stay protected during peak boating season.

As the temperature drops and the boating season winds down, many boat owners choose to store their vessels for the winter. Off-season storage comes with its own set of risks, such as damage from weather-related events, theft, or vandalism. It’s crucial to ensure that your boat insurance policy covers these potential hazards during the off-season. Adjustments to your coverage may be necessary to account for the unique risks associated with storage.

Seasonal changes also offer an opportunity to reassess your boat insurance needs. As your circumstances evolve, you may find that you need to increase or decrease your coverage, add or remove specific endorsements, or make other adjustments to your policy.

Reach Out To Us

Whether you’re enjoying the water during the warmer months or preparing for off-season storage, David King Insurance Services LLC in Coppell, TX is dedicated to helping you find the right insurance solutions for your unique situation. Contact us today to discuss your boat insurance needs and discover how we can help you stay protected all year long.

The Comprehensive Guide to Boat Insurance

To learn more about the best boat insurance for your needs, get in touch with our insurance experts at David King Insurance Services LLC serving the greater Coppell, TX community.

Here we provide you with a guide on the basics of boat insurance:

What is Boat Insurance?

Boat insurance is a type of insurance that covers the cost of damage or loss to your boat, as well as personal injury or property damage.

Why Do People Get Boat Insurance in Texas?

One of the main reasons to get boat insurance is if your vessel is subject to marine laws and regulations issued by the state.

Marine laws and regulations in Texas may require certain boat owners to carry insurance before venturing out onto the open water in a personal boat or even a private charter.

A licensed boat insurance agent is the best resource to help boat owners choose the best options to protect their water-based investments.

Comprehensive Marine Coverage

Boat owners rely on their boats for transportation, recreation, and fishing. If your boat were to become damaged or destroyed while underinsured, you may find yourself out of luck financially.

Buying comprehensive marine coverage will help protect both your financial interests and those important aspects of your recreational lifestyle.

Where to Buy Boat Insurance in Texas?

Get in touch with us at David King Insurance Services, LLC in Coppell. TX to get help finding a reputable policy. There are several carriers that offer comprehensive marine insurance coverage. We will take the guesswork out of your research and help you find the right policy for your needs.

Contact Us Today

Our experienced insurance agents can talk to you about the benefits of boat insurance and how to choose the best boat insurance coverage. Contact us to get a boat insurance quote today!

Is Boat Insurance Required in Texas?

Texas may not require boat insurance to operate your vessel, but that does not mean you should skimp on the coverage. Just as accidents can happen while driving a vehicle or at home, so too can they happen on the water. Furthermore, with boating exploding in popularity in recent years, accidents have exponentially increased. Protect yourself from liability to other people and their property and damage to your expensive watercraft through boat insurance. While Texas does not require boat insurance, if you financed the purchase of your watercraft, your lender is likely to mandate that you have coverage to protect their investment. 

Similar to car insurance, most boat insurance policies include protection for a variety of causes of physical damage including storms, theft, collisions, and fires. In addition, as mentioned above, your policy will also include liability coverage to protect you from being sued or having to pay the medical bills of a third party in an accident that you caused. There are three main types of boat insurance policies. The first, replacement cost, will reimburse you for the full amount required to repair the boat to original condition or replace it with an identical model. The second, actual cash value, takes the depreciation of the boat into account and, if the watercraft is totaled, would pay out what the boat is worth at the time of claim; not when you first purchased it. The third type of boat insurance is agreed amount, where both the policyholder and the insurance company agree on the payout in advance.

At David King Insurance Services LLC in Coppell, TX, our friendly and professional team are ready to answer all your boat insurance questions. Give us a call today to learn more information and to schedule a consultation. 

Is Boat Insurance A necessity?

Purchasing a boat in Coppell, TX is a massive investment that is a dream come true for any resident. This considerable investment extends your crafts buying price. Whether you are a new boat owner or considering owning one, it’s paramount to familiarize yourself with the available coverages to offer your watercraft formidable protection. Boat accidents might not often happen in Coppell, TX like car accidents.

Still, it’s instrumental in safeguarding your vessel as you do with your automobile in case of impending peril. Please contact our dedicated agents at David King Insurance Services LLC and get affordable boat insurance coverage that meets your needs and budget. Keep reading to verse yourself why boat insurance is an absolute necessity.

Asset protection

Did you know that devoid of formidable insurance, you could potentially lose your investment if an accident strikes or unforeseen events crop up? It is imperative to beware that a single storm may sink a boat while an impending fire may burn your boat or get vandalized. Investing in boat insurance can pay for the costs of replacing or repairing your boat when covered perils damage it.

 Protect a boat owner

What happens when you trigger injuries to your passenger, a swimmer, or propagate damage to another boat while utilizing yours? These instances make you liable for the resulting bodily injury and medical costs as well as property damage expenses. Third parties could file lawsuits forcing you to use a significant amount of money. Luckily, boat insurance comes in to rescue you from paying these costs out of pocket.

Environmental protection

If your watercraft gets massive damage and leaks fuel and oil into the water or sinks to the bottom of the lake or ocean, you are liable to cater to the removal or cleanup process as a boat owner. Fortunately, if you have coverage that encompasses wreckage removal and fuel spill, you are salvaged by paying a fortune from your wallet.

Provides emergency assistance and towing

Have you ever imagined what could transpire if your boat engine fails or you run out of gas in the middle of a lake or ocean, and you require the services of professional towing? Investing in this form of coverage assists you in settling these services, which sometimes prove to be expensive.

Let’s gain peace of mind while cruising Coppell, TX waters with our boat, knowing that you are protected when a disaster strikes. Please don’t hesitate to call or visit us at David King Insurance Services LLC and get a customized quote for your boat insurance.

Do I Need Boat Insurance In Texas?

While boat insurance isn’t mandatory in Texas, you need to carry one from David King Insurance Services LLC to protect you and your boat. Additionally, even though you are carrying home insurance, it only protects your boat for a limited dollar amount. In light of this, you need boat insurance in Coppell, TX for the reasons below.

Liability coverage

Suppose you cause damage to other boats, docks, or other structures. You will be faced with substantial property damage costs. The same case applies if you cause bodily injury to other persons while using your boat. Boat liability coverage pays for legal costs, medical expenses, and property damage for losses and damages caused to third parties.

Physical damage

The comprehensive and collision boat coverages protect against perils like collisions, theft, vandalism, falling objects, hails, and other covered risks that may damage your boat. 

However, when purchasing boat insurance, be sure you understand the difference between replacement and actual value. The replacement cost policy pays to replace or repair your boat to its original condition without factoring in deprecation. On the other hand, the actual value policy pays for repairs or replacement less the depreciation value. 

Medical coverage

With the personal injury protection (PIP) coverage, you and your passengers’ medical costs are covered, regardless of who caused the accident. Additionally, this coverage pays for final expenses and partial loss of wages resulting from a boating accident.

Other coverages

Depending on the add-ons you incorporate in your boat insurance, you can get the below additional coverages.

  • Protection from uninsured/underinsured boaters: Given that boat insurance isn’t mandatory in Texas, many boaters don’t carry watercraft insurance, putting you at risk.
  • Emergency assistance: With this add-on, you get services like gas delivery, towing, and battery jumpstarting when your boat is disabled in the water.
  • Personal effects coverage: Protects your items in the boat in case of damage or theft.

Are you ready to get started with boat insurance? Please contact David King Insurance Services LLC of Coppell, TX today for all your boat insurance needs.

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