Boat insurance requirements texas

Whether the boat is new or used, make sure your insurance is in force before you accept legal responsibility for the boat. If you're not financing with the boat seller, this is especially important since the seller has no legal responsibility for the boat at the moment of sale.

If you're buying from a registered boat dealer, the dealer may handle all registration issues with your state. Ask them specifically what registration items they do not handle.

Your boat trailer will need registering before you can use it. Ask the seller if they can handle this registration/transfer.

If your rig or any options on it are new, you will generally be responsible for registering individual items on your boat like radios and other "add-ons."

Make a detailed list and take snapshot of each item on your boat covered by insurance -- from the hull to the engine to the radio. Put this information in a safe place away from your boat.

If you are planning to boat on any body of water bigger than a farm pond--lake, river, ocean--a boat towing insurance policy can be a boat owner's smartest purchase. These plans function like a highway service club for the water. Just like autos, boats do break down or experience difficulty. When that happens, marine towing or assistance can cost well over $100 per hour, and the clock starts ticking when the service boat leaves its dock.

Have the appropriate towing kit installed on your towing vehicle. Make sure the kit is rated for a boat the size and weight of your vessel.

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