Auto & Boat Insurance Tips for Safe Travels
Key Takeaways:
Memorial Day is one of the most dangerous driving weekends of the year—review your auto coverage before hitting the road.
Boating accidents peak over the holiday—make sure your boat or jet ski has proper insurance and liability coverage.
Stay safe with proactive driving tips and know what your policy covers in case of an accident or emergency. For a free policy review use our quote comparison tool in order to find the best savings for your policies this Holiday Season!
Why Memorial Day Weekend Matters for Texans
Memorial Day honors our nation’s heroes—but it’s also a high-risk weekend on Texas roads and lakes. According to the Texas Department of Transportation, traffic crashes, DUI arrests, and boating injuries spike every year during this holiday. Before you pack the cooler and hitch the boat, make sure your auto and recreational insurance policies are up to the task.
1. Auto Insurance Tips Before You Travel
Check Your Coverage:
Liability limits: Texas minimums may not be enough if there’s a serious accident.
Comprehensive & collision: Needed for newer vehicles or if you’re traveling far.
Rental car reimbursement: Useful if your car is damaged during your trip.
Roadside assistance: Add it if you don’t already have it—it’s a lifesaver for long drives.
Stay Alert Behind the Wheel:
Plan your route and take breaks every 2 hours.
Avoid peak travel times (Friday 3–7 p.m. and Monday 11 a.m.–7 p.m.).
Use hands-free devices—Texas law bans texting while driving statewide.
2. Insure Your Boat, Jet Ski, or Other “Water Toys”
Do You Need Separate Boat Insurance?
Yes. Most homeowners policies only cover small boats (under 25hp or under 26 feet) and with very limited liability.
What to Look for in a Watercraft Policy:
Liability: Covers injuries or damage you cause to others on the water.
Physical damage: Covers damage to your boat, motor, trailer, etc.
Uninsured boater coverage: Vital in Texas where many boaters go uninsured.
Towing and emergency assistance: Just like roadside help, but on the water.
Local Tip:
If you’re taking your boat to Lake Travis, Lake Conroe, or Lake Livingston, these are hotspots for accidents over the holiday. Call your agent to confirm you’re fully covered.
3. Driving With a Trailer or Boat: What’s Covered?
Auto liability extends to the trailer, but physical damage coverage might not.
Make sure the trailer is listed on your auto policy or separately insured.
If you’re renting a trailer or hauling someone else’s watercraft—different rules apply. Ask your agent.
4. Additional Tips for a Safe Memorial Day Trip
Keep proof of insurance in your glove box and a digital copy on your phone.
Let someone know your travel plans, especially if heading to remote areas.
Don’t drink and drive—or operate a boat under the influence. Both are criminal offenses in Texas.
Take 10 Minutes to Review Your Coverage
A quick policy check can give you peace of mind—and might save you thousands. Whether you’re road-tripping to the Hill Country or taking the jet skis out on Lake Texoma, make sure you’re properly insured before your weekend of fun.
FAQs: Auto & Boat Insurance Tips
1. Does my homeowners policy cover my boat?
Only in very limited cases. You’ll likely need a separate boat insurance policy for full protection.
2. What if I loan my jet ski to a friend and they cause an accident?
You could be held liable. Some policies may exclude coverage if someone else is operating your watercraft.
3. Will my auto policy cover damage to my trailer?
Your liability extends to the trailer, but damage coverage depends on whether it’s listed and what your policy includes. For a free policy review use our quote comparison tool in order to find the best savings for your policies this Holiday Season!