Why isn't a boat properly covered under my homeowners policy?

Standard homeowners insurance policies severely restrict watercraft coverage—often capping property loss at $1,000 to $1,500 and providing minimal liability with strict horsepower, length, and navigational limits. Inboard wakeboard boats, sport yachts, and multi-engine pontoons require dedicated marine underwriting with agreed-value hull coverage, watersports liability, and fuel spill remediation.

What is Agreed Value marine hull coverage?

With Agreed Value coverage, you and the insurer agree on the value of your boat or watercraft when the policy is bound. If a total loss occurs due to fire, sinking, severe storm, or trailer accident, you receive the full agreed amount with zero depreciation deduction.

Does McClain & Co. cover trailering and overland transit?

Yes. Our specialty marine packages include dedicated trailer coverage, roadside boat-towing assistance, and overland transit protection across Texas waterways and interstates.

Specialty Marine & Recreation

Protection for the things
you drive for joy.

Whether wakeboarding on Lake Grapevine, cruising Possum Kingdom, or touring in a luxury Class A coach, your recreational toys require dedicated marine and overland underwriting that standard auto and home policies cannot provide.

Request Marine Quote Call Chip: (817) 805-3335

Performance MasterCraft wakeboard boat on lake

Lake & Marine Freedom

Agreed hull value · Watersports liability · Trailer defense

Specialized Marine & RV Underwriting

Coverage built specifically around vessel mechanics, dock storage, watersports liability, and overland transit.

Agreed Value Hull Protection

In the event of a total loss, receive the agreed amount with zero depreciation deduction on hull, engine, navigation electronics, or sound system.

Watersports & Towing Liability

High-limit liability protecting you when towing water-skiers, wakeboarders, or tubers, extended beneath your excess umbrella.

Environmental & Fuel Spill Coverage

Mandatory environmental cleanup provisions under Texas state and federal waterway regulations in the event of an accidental fuel spill.

Protection for the things you drive for joy.

Specialized Marine & RV Underwriting

Agreed Value Hull Protection

Watersports & Towing Liability

Environmental & Fuel Spill Coverage

Protection for the things
you drive for joy.