The craft and the trailer
Hull coverage and the trailer are often written together, and the values need to be current.
Boat
Boat and recreational
Boat and recreational coverage protects the craft, the trailer, and your liability on the water. An auto policy does not do that job.
Owners who keep a boat or personal watercraft for Lake Conroe and the Gulf, including families who trailer it from The Woodlands.
Jason Karamath
(806) 445-2987
What I’ll look at
Liability on the water
Injuries and damage you cause on the water are a separate conversation from the car that towed the boat.
Where you use it
A policy written for inland lakes may treat coastal water differently. Tell me where it actually goes.
Here, specifically
Lake Conroe weekends are a Woodlands habit. If the boat, the jet ski, or the trailer is part of your household, it belongs in the same review as the cars and the house.
Common questions
Does my homeowners or auto policy cover the boat?
Don’t assume it does. Some liability can extend in narrow cases, and the boat itself usually needs its own policy. I’ll read yours before you rely on it.
What about a golf cart or an ATV?
Bring the year, make, and where you drive it. Recreational equipment is part of this conversation when it’s part of your life.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.