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CONTACT US
Contact Miller & Miller for Boat Insurance Support
We're here to help you get the most from your boat insurance. Reach out today for a personalized quote, clear answers, and service from local agents who understand your boating lifestyle. You can also use the form below to get started online anytime.
OUR BLOGS
Read Boating Tips and Insurance Advice on Our Blog
Our blog features helpful advice for boat owners, from protecting gear to understanding liability on the water. Learn how to maximize your coverage and avoid common mistakes with straightforward, practical tips from our experts.
Protect Your Boat on the Water and at the Dock
Boats and personal watercraft are more than just expensive toys—they’re a lifestyle investment that deserves proper protection. While some people rely on limited coverage from a homeowners policy, true boaters know that specialized insurance is the only way to stay fully protected on the water. At Miller & Miller Insurance Agency, we help boat owners secure coverage that fits their watercraft, their usage habits, and their priorities. Whether you own a fishing boat, a pontoon, or a Jet Ski, our team builds a policy that protects your passengers, your equipment, and your time on the water. And with most policies costing less than a dollar a day, the peace of mind is well worth it.
Key Coverages Included in a Quality Boat Insurance Policy
Your watercraft faces unique risks that go beyond standard auto or home coverage. We help you choose boat insurance options that match the way you use your boat—recreational, sport, or anything in between.
Common coverages include:
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Navigational Area – Know exactly where you’re protected, including U.S. coastal waters, lakes, rivers, and some international areas.
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Agreed Value Coverage – If your boat is totaled, you’ll receive the insured amount—not a depreciated value.
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Liability Protection – Covers injury or damage you cause to others while operating your boat.
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Medical Payments – Pays for injuries to you, passengers, or water skiers/tubers, regardless of who’s at fault.
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Physical Damage – Covers repairs or replacement of your boat, attached equipment, and trailer due to theft, vandalism, or collision.
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Uninsured/Underinsured Boater Coverage – Pays for injuries caused by others who don’t carry proper insurance.
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Depending on how you use your boat, you may want to consider additional options. We help you understand where gaps exist and what coverage makes sense for your setup.
Fuel Spill, Wreckage Cleanup, and Emergency Assistance.
In the event your boat sinks or leaks fuel, you're responsible for environmental cleanup. This coverage helps manage those unexpected, often costly situations. Towing, labor, gas delivery, or battery replacement—this coverage keeps you from being stranded if your boat becomes disabled on the water.
Personal Effects/Equipment
Protect gear like clothing, cell phones, scuba/snorkeling equipment, or fishing gear with this optional protection. Exclusions may apply for valuables like jewelry or watches. From anchors and oars to tarps and fire extinguishers, this covers items not permanently affixed to your boat but essential to your time on the water.
Boat Insurance for New Braunfels and Central Texas Lakes
Located in New Braunfels, we understand how and where Texans enjoy their time on the water. Whether you're boating at Canyon Lake, the Guadalupe River, or nearby Texas lakes, our team provides coverage that fits the regional risks. We serve New Braunfels, San Marcos, Seguin, and surrounding areas with local knowledge and responsive service.
Start Your Boat Insurance Quote with Miller & Miller
Getting covered is easy. Just call our New Braunfels office or use the contact form at the bottom of this page to get started. We'll walk you through your options and make the process smooth and straightforward, so you can spend less time worrying and more time enjoying your boat.