Boat & Watercraft Insurance
From ski boats and pontoons to jet skis and WaveRunners, the right coverage keeps a day on the lake from turning into a costly one.
Boat Insurance in New Mexico and West Texas
A summer weekend at Brantley, Ute, or one of the Texas reservoirs is one of the best parts of living here, but the water carries real risk. A collision with another boat, a guest hurt while tubing, a stolen jet ski, or a storm that rolls in fast can all lead to bills far larger than most people expect. Boat insurance is what keeps that day on the water from following you home.
Here is what surprises a lot of owners: your homeowners policy offers only limited coverage for small boats, and almost none for the liability that matters most. Larger or faster boats, and personal watercraft like jet skis, Sea-Doos, and WaveRunners, need their own policy. As a local independent agency, we shop that coverage across carriers and build it around the vessel you own and the way you use it.
What Boat and Watercraft Insurance Covers
One policy can protect the vessel, the people aboard, and the gear and trailer that come with it.
Physical Damage
Repairs or replaces your boat or watercraft, its motor, and permanently attached equipment after a collision, fire, sinking, storm, striking a submerged object, or theft, minus your deductible.
Liability on the Water
Covers injuries or property damage you cause to other boaters, swimmers, or docks, along with your legal defense. It usually includes water sports liability for activities like skiing and tubing.
Uninsured Boater and Medical Payments
Pays for injuries to you and your passengers if an uninsured operator hits you, and helps cover medical bills after an accident on the water, no matter who was at fault.
Trailer, Towing and Gear
Adds protection for your trailer on the road, on-water towing if you break down far from the ramp, and the accessories and equipment you keep aboard, from electronics to fishing gear.
How to protect your time on the water and save on boat insurance
Because you trailer to the lake around here, it is worth making sure your trailer and the towing trip are covered, not just the boat once it is in the water. It also helps to tell us where you boat: policies are priced partly on your navigation territory, so the coverage that fits a local reservoir is not the same as one built for the coast. If you store the boat or jet ski for part of the year, ask us about seasonal or lay-up options that lower your cost while keeping theft and storage damage covered.
There are several easy ways to save. Completing an approved boating safety course often earns a discount, and so does insuring your boat with the same agency that handles your home and auto policies. Because on-water injury claims can climb quickly, many owners also pair their boat coverage with a personal umbrella policy for an added layer of liability protection.
One more thing many boaters overlook: if you are financing your boat or jet ski, your lender will almost always require boat insurance until it is paid off, and having the right policy in place protects your investment either way. We will make sure your coverage meets any lender requirement and still fits your budget.
Every vessel is different, and so is the right policy. You can review an independent overview of coverage at the Insurance Information Institute, then let us put together protection that fits your boat, your watercraft, and how you like to spend your summers.
