Your Escape to the Water Should Be Stress-Free.

You bought a boat for the memories, not the liability. We provide a custom "marine shield" that protects your vessel, your passengers, and your investment, so you can stay focused on the horizon.

Don’t Let One Wave Sink Your Financial Security.

Whether you’re fishing on a quiet lake or cruising the coast, the open water carries risks that your homeowner's policy isn't built to handle. Most boaters don't realize they have "holes" in their coverage until they're headed back to the docks on a tow line.

Most boat owners face three main anxieties:

The Uninsured Boater: On the water, insurance isn't always mandatory. If an uninsured boater hits you, you could be left footing the bill for repairs and medical costs yourself.
The "Specialized" Gap: Many basic policies don't cover the things that actually matter—like your expensive fishing gear, fuel spill cleanup, or medical payments for water skiers and tubers.
The Total Loss Fear: Boats depreciate fast. Without "Agreed Value" coverage, a total loss could mean you receive a check for far less than what it costs to get back on the water.

You shouldn't have to worry about "what if" while you're trying to relax.

We Navigate the Risks So You Can Navigate the Water.

At SMA Insurance, we believe your time on the water is sacred. You’ve worked hard for your boat, and you deserve a policy that works just as hard to protect it. For over 30 years, Steve Meleleu and our team have been the "Trusted Shield" for boaters across Texas and beyond.

As independent agents, we don’t work for the big insurance carriers—we work for you. We shop the most trusted marine insurance providers to find the exact coverage for your specific craft, from jet skis to luxury yachts, at a premium that keeps your hobby affordable.

Three Simple Steps to Worry-Free Boating

The Vessel Audit

We look at your boat type, navigational area, and equipment to find your specific "leak" points in coverage.

The Custom Marine Shield

We shop our network to find a policy that includes everything from "Agreed Value" to specialized fishing equipment coverage.

Launch with Confidence

You get back to the water knowing that if the worst happens, your family and your finances are fully protected.

Protect Your Investment. Secure Your Fun.

With the right Boating Insurance, a bad day on the water doesn't have to be a life-changing disaster.

The Success: Imagine the peace of mind knowing that even if your engine fails, you have a fuel spill, or an uninsured boater clips your hull, your towing is paid for, your repairs are covered, and your personal assets are safe.
The Failure: Without a tailored plan, a single accident could lead to a lawsuit that drains your savings, or a loss that leaves you without a boat and no way to replace it.

Complete Protection from Bow to Stern:

Agreed Value Coverage: If your boat is a total loss, you get the value you insured it for—no depreciation games.
Liability Protection: Coverage for property damage or injuries to others if you are at-fault in an accident.
Uninsured Watercraft: Crucial protection for when the other boater has no insurance.
Medical Payments: Coverage for you, your passengers, and even your water skiers—regardless of who is at fault.
Fuel Spill & Wreckage Removal: We cover the expensive legal requirements if your boat sinks or leaks.
Personal Effects: Security for your fishing gear, sporting equipment, and clothing.
Emergency Assistance: Coverage for towing and on-water labor if you’re stranded.

Secure Your Boat Before the Next Outing.

The best time to check your coverage is while the boat is still on the trailer. Let’s build your shield today.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.