Coverage That’s Built For Lakes, Rivers, And Everything In Between.
We help protect your time on the water.
Whether you're fishing, paddling, or cruising, we offer boat and personal watercraft insurance that fits the way you use your watercraft. We’ll help protect your investment, your passengers, and your peace of mind—so you can enjoy the water without worry.
We Match Your Coverage to How and Where You Boat
Watercraft insurance depends on the size, type, and use of your vessel. We’ll help you navigate seasonal risks, storage needs, and liability requirements specific to New Mexico and Southern Colorado.
Liability Protection
Covers damage or injury caused to others while operating your watercraft.
Trailer & Equipment Coverage
Add-on protection for trailers, motors, fishing gear, electronics, and accessories.
Boat & PWC Physical Damage Coverage
Protection for damage, sinking, fire, theft, and collisions on or off the water.
Seasonal & Storage Considerations
Ask about lay-up periods and discounts for boats stored during the off-season.
FAQ
Does homeowners insurance cover my boat or PWC?
Most homeowners policies offer very limited coverage for boats or exclude them entirely. A dedicated policy is recommended for full protection.
What types of watercraft can be insured?
We insure fishing boats, pontoons, jet skis, sailboats, kayaks, and more—powered or non-powered.
Is boat insurance required in New Mexico or Colorado?
It’s not required by law, but it’s often required by marinas, lenders, or state parks. We’ll help you understand local rules.
Can I pause my boat insurance during the off-season?
Yes. Some insurers offer storage or lay-up discounts when the boat is not in use.
Let’s Start the Conversation
Whether you're updating your coverage or exploring options for the first time, we’re here to make insurance simple, personal, and stress-free. Let's talk about what matters to you—and how we can help protect it.