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The national trend among harbours, marinas and waterways authorities toward the stipulation of at least third party cover means that a yacht or boat insurance policy is no longer just a matter of common decency but. 218 reviews. Thirty-eight percent of boat insurance claims in 2020 were the result of collisions with docks, seawalls, other boats, and especially submerged objects such as rocks and logs. Auto Insurance Insurance Flood Insurance. If, for example, you plan to use a powered boat or houseboat on inland waterways such as rivers and canals, you’ll usually need a third-party policy that covers you for at least £1m in damages. 5311 Fm 1960 Rd E Ste F. $587/mo*. TGS Insurance customers in Humble pay $1,571 which means an average annual savings of $371, with some homeowners earning even more substantial savin. 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