Enjoy the Water.
We'll Help Protect Your Boat.
The right boat insurance can help protect your investment so you can spend less time worrying and more time on the water.
Whether you own a fishing boat, ski boat, pontoon, personal watercraft or another recreational watercraft, having the right coverage can help protect your boat, equipment and financial interests.
Local Boat Insurance. Personal Service.
Bunkley Insurance Group helps boat owners across Texas find insurance coverage that fits their boat, how they use it and what matters most to them.
Boating Is Freedom. Insurance Is Protection.
Your boat can represent a significant investment. The right insurance can help protect you from covered losses and liability exposures while you're enjoying the water.
Protect Your Investment
Boats and watercraft can be expensive investments. Insurance can help protect against covered losses.
Liability Protection
You could be responsible for injury or property damage. Liability coverage can help with covered claims.
Weather the Unexpected
Storms, theft, fire and other covered events can happen when you least expect it.
Peace of Mind
The right coverage can help you enjoy your time on the water with greater confidence.
Coverage for the Way You Boat
Available coverage depends on the policy, carrier, boat and options selected. Some policies may provide protection for areas such as:
Physical Damage
Coverage may help protect your boat, motor and equipment against covered events such as collision, theft, vandalism and other losses.
Liability Coverage
Liability coverage can help protect you when you are legally responsible for bodily injury or property damage to others, subject to the policy.
Medical Payments
Depending on the policy, medical payments coverage may help with certain medical expenses following a covered boating accident.
Uninsured Boater
Depending on the policy and availability, coverage may help if you are injured by an uninsured or underinsured boater.
Fishing & Equipment
Coverage options may be available for fishing equipment, electronics and other items associated with your boat.
Additional Options
Depending on the policy, options may include towing, fuel spill liability, personal effects and other coverage.
Coverage Can Be Customized
Every boat is different. We'll help you understand your options based on how you use your boat, where you boat and what matters most to you.
Your Boat Faces More Than One Kind of Risk
From Central Texas lakes to the Gulf Coast, the right coverage depends on how and where you use your boat.
Storm & Weather Damage
Severe storms, high winds and other weather events can create significant risks for boats and watercraft.
Theft & Vandalism
Boats, motors, trailers and equipment can be attractive targets for theft. Coverage may help protect against covered losses.
Accidents on the Water
Collisions, accidents and other incidents can result in expensive repairs and liability claims.
Towing & Assistance
Certain boat insurance policies may offer towing or assistance coverage for qualifying situations on the water.
A Local Agent You Can Count On
I'm Richard Bunkley, owner of Bunkley Insurance Group in Austin, Texas. I help individuals and families protect their boats and other important assets with the right insurance coverage.
I've earned Allstate's Elite Agency distinction, have been recognized with Honor Ring four times and have achieved Pinnacle Elite recognition. I also hold a BAAS degree from Texas State University and an MBA from Baylor University.
When you work with Bunkley Insurance Group, you get personal service, local knowledge and a commitment to helping you protect what matters most.
Common Questions About Boat Insurance
Do I need boat insurance in Texas?
Texas does not generally require boat insurance for every boat owner, but lenders or marinas may have their own insurance requirements. Even when insurance isn't legally required, coverage can help protect your boat, your investment and you from potentially significant liability exposures.
What does boat insurance typically cover?
Depending on the policy, boat insurance may provide coverage for physical damage to the boat, liability, medical payments, uninsured boaters, equipment and other risks. Coverage varies by policy, carrier and options selected.
Does boat insurance cover the motor and equipment?
Depending on the policy, coverage may extend to the boat's motor, permanently attached equipment and certain additional equipment. The specific policy should be reviewed for applicable limits and exclusions.
Does boat insurance cover theft?
Some boat insurance policies provide coverage for theft when the loss is covered under the policy. Coverage, deductibles and exclusions vary.
Does boat insurance cover towing?
Some policies offer towing and assistance coverage, while others may make it available as an optional coverage. Availability and limits vary by carrier and policy.
How much does boat insurance cost?
Boat insurance premiums vary based on factors such as the type and value of the boat, where it is used, how it is stored, the owner's experience, selected coverage and other underwriting factors.
Can I insure a boat used on Texas lakes?
Boat insurance can be available for qualifying boats used on Texas lakes and other waterways. The appropriate coverage depends on the boat, its use, navigation area and the policy selected.
Can I get boat insurance for a fishing boat or pontoon boat?
Insurance may be available for many types of recreational watercraft, including fishing boats, pontoon boats, ski boats and other qualifying vessels. Available coverage depends on the specific boat and policy.
Ready to Talk About Boat Insurance?
Whether you're buying a boat, renewing your current coverage or simply want to understand your options, we're happy to help.
Policy details, coverage options, availability, eligibility, limits, exclusions, and pricing may vary based on the product, carrier, individual circumstances, and coverages selected at the time of sale. Information on this website is provided for general educational and informational purposes only and is not intended to provide specific coverage advice or create a contract of insurance. Coverage is subject to the terms, conditions, limitations, exclusions, and other provisions of the applicable policy. Please review your policy documents and consult with your insurance professional regarding your specific situation.