Boat Insurance in Wichita Falls, TX
Why Boat Insurance Matters in Wichita Falls
Life on the water is part of Wichita Falls living, whether you’re out on Lake Wichita, Lake Arrowhead, or Lake Kickapoo. But even the most relaxing day can turn stressful without proper boat insurance. From storm damage to accidents, boat insurance protects your vessel, your passengers, and your peace of mind.
At Montoya Insurance Group, LLC, we help boat owners find affordable, reliable coverage so they can enjoy the water without worry.
What Our Boat Insurance Covers
Our policies give Wichita Falls boaters comprehensive protection, including:
- Liability Coverage – Protects you if you cause injury or property damage while operating your boat.
- Collision Coverage – Pays for repairs or replacement if your boat collides with another vessel or object.
- Comprehensive Coverage – Covers theft, vandalism, fire, and storm damage.
- Medical Payments – Helps pay for injuries to you or your passengers.
- Uninsured/Underinsured Boater Protection – Protects you if you’re hit by someone with little or no insurance.
- Towing & Assistance
– Covers emergency towing and on-water assistance.
Common Add-Ons & Options
We help Wichita Falls boat owners enhance protection with:
- Coverage for fishing equipment and gear
- Protection for trailers and boat lifts
- Fuel spill liability coverage
- Wreck removal coverage
Who Needs Boat Insurance in Wichita Falls?
Boat insurance is essential for:
- Recreational Boaters – Protecting weekend outings on Lake Wichita or Lake Arrowhead.
- Fishing Enthusiasts – Safeguarding boats, gear, and liability during tournaments.
- Sailboat & Motorboat Owners – Coverage for vessels of all types and sizes.
- Jet Ski & Personal Watercraft Owners – Extending coverage to smaller recreational craft.
Local Risks to Consider
Wichita Falls boaters face unique challenges, including:
- Severe Storms & Hail – Sudden weather can cause major damage.
- Theft Risks – Boats and trailers can be easy targets if left unsecured.
- Accidents on the Water – Busy weekends on local lakes increase collision risks.
FAQs – Boat Insurance in Wichita Falls
Is boat insurance required in Texas?
Texas doesn’t require boat insurance by law, but marinas and lenders often require it — and it’s strongly recommended for financial protection.
How much does boat insurance cost in Wichita Falls?
Rates depend on the type of boat, usage, and coverage options. We shop multiple carriers to find you the best plan.
Does boat insurance cover storm damage?
Yes. Comprehensive policies can cover damage from hail, wind, and lightning.
Can I insure fishing equipment and trailers?
Absolutely. We offer add-ons for gear, trailers, and other equipment.
Do you offer bilingual support?
Yes. Montoya Insurance Group, LLC proudly serves clients in both English and Vietnamese.
Enjoy the Water with Peace of Mind
Get the Right Boat Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we believe boating should be about fun — not stress. Our team will help you find affordable coverage that protects your boat, your passengers, and your peace of mind every time you head out on the water.