We offer a full range of personal insurance products, including boat and yacht insurance, auto insurance, homeowners insurance, RV insurance, and motorcycle insurance.
Our specialty is marine insurance, and we have extensive experience helping boat owners find coverage that fits the way they actually use their vessels.
An independent agency can compare coverage and pricing from multiple insurance carriers rather than being tied to just one company.
At The Water Girl Insurance, we work with multiple trusted carriers to help you find coverage that fits your needs and budget.
Yes. Our online quoting process allows you to compare insurance options from multiple carriers. You can get started through our online quote form, or contact us directly if you'd prefer to speak with someone.
No. While boat and yacht insurance is our specialty, we also offer auto, homeowners, RV, and motorcycle insurance.
Your homeowners policy generally isn't designed to provide the level of coverage needed for a boat, particularly for larger or more valuable vessels.
Boat insurance can provide protection for your vessel, equipment, liability, and other risks associated with being on the water. The right coverage depends on your boat and how you use it.
We specialize in a wide variety of recreational watercraft, including:
If you're not sure whether we can insure your particular vessel, give us a call. We'll be happy to discuss your situation.
Coverage for fishing equipment and other personal property can vary depending on the policy and carrier.
If you carry expensive rods, reels, electronics, tackle, or other equipment, be sure to discuss those items with your agent so we can help you determine whether additional coverage is appropriate.
Trailer coverage can vary by policy. If your boat is transported on a trailer, let us know when we're quoting your insurance so we can make sure the trailer is properly addressed.
Coverage can apply while your boat is stored, but exactly what is covered depends on your policy.
It's important to let your agent know how and where you store your boat, particularly during periods when you're not using it.
Offshore navigation can be an important consideration when insuring a boat.
Your policy may have specific navigation limits or restrictions, so it's important to discuss where you plan to use your boat before selecting coverage.
If you regularly fish offshore or travel beyond your normal boating area, tell us. We'll help you look for coverage appropriate for your intended navigation.
Boat liability coverage can help protect you if you're legally responsible for injuries or property damage resulting from a covered boating accident.
Because liability limits and coverage provisions vary, we recommend discussing your typical boating activities with us so we can help you select appropriate coverage.
Your lender will generally have its own insurance requirements. Those requirements can vary depending on the lender and the boat.
Even if your boat isn't financed, however, having appropriate insurance can help protect your investment and provide liability protection.
Absolutely. Fishing boats are one of our specialties.
If you participate in tournaments, regularly fish offshore, or use your boat for other specialized activities, let us know. Those details can be important when determining the right coverage.
You can start an online quote through our website, or contact us directly.
We'll gather information about what you're looking to insure and help you compare available options.
The amount of time varies depending on the type of insurance and the information needed.
Our online quoting process can provide live rates from multiple participating carriers in just a few minutes for eligible risks.
For a boat quote, helpful information may include:
The more accurate the information, the better we can evaluate your coverage options.
Absolutely. We can compare available options and help you determine whether another policy may provide a better combination of coverage and price.
There is no need to wait until your current policy expires to start exploring your options.
We're located in Seabrook, Texas, in the heart of the Clear Lake/Gulf Coast boating community.
We serve boat owners throughout the Gulf Coast and beyond.
A.J. Laird has been helping boat owners navigate their insurance needs since 2007.
Our experience with marine insurance gives us a unique understanding of the risks and needs that come with owning and enjoying a boat.
We're not just interested in selling you a policy. We want to understand how you actually use your boat and help you find coverage that makes sense for your situation.
Whether you're fishing offshore, cruising the bay, enjoying a weekend with the family, or heading out for an adventure, our goal is to make insurance easier to understand.
You can call us at 832-725-3621, email aj@water-girl.com, or visit us in Seabrook, Texas.
Insurance isn't one-size-fits-all. If you have a question about your boat, auto, home, RV, motorcycle, or another type of coverage, we're happy to help.
Protect your boat. Protect your adventures.
The Water Girl InsuranceInsurance coverage, exclusions, limits, and eligibility vary by policy and insurance carrier. This FAQ is for general informational purposes and does not modify or replace the terms of an insurance policy.