Boat & Watercraft Insurance
Mexican waters need their own boat policy
Liability and physical-damage coverage for boats, jet skis, and personal watercraft used in Mexican waters.
Mexican watercraft insurance is a dedicated marine policy that covers your boat or jet ski while it's used in Mexican waters — your US marine policy almost certainly doesn't extend across the border. If you're trailering a boat down or storing one in a marina in Mexico, you need a local policy. This page covers what's included, what's not, and how to insure your watercraft online.
What boat & watercraft insurance covers
- Liability for damage to other boats, persons, and property
- Physical damage to your hull and equipment
- Theft of the boat or trailered watercraft
- Coverage while moored, trailered, or in transit
- Bilingual claims support
What's not covered
- Use outside Mexican waters
- Racing or commercial charter operations
- Wear and tear, gradual deterioration
Coverage levels
| Liability only | Standard | Premium | |
|---|---|---|---|
| Third-party liability | Up to $300,000 | Up to $500,000 | Up to $1M |
| Hull / physical damage | — | Actual cash value | Agreed value |
| Theft | — | Included | Included |
| Trailer coverage | — | Included | Included |
Third-party liability
- Liability only
- Up to $300,000
- Standard
- Up to $500,000
- Premium
- Up to $1M
Hull / physical damage
- Liability only
- —
- Standard
- Actual cash value
- Premium
- Agreed value
Theft
- Liability only
- —
- Standard
- Included
- Premium
- Included
Trailer coverage
- Liability only
- —
- Standard
- Included
- Premium
- Included
How to get covered
- 1Enter the boat's value, length, and your trip dates.
- 2Pick a liability-only or full-coverage plan.
- 3Pay online and bring the policy with you to the marina.
Take your boat south of the border, covered.
Frequently asked questions
Do I need watercraft insurance in Mexico?
If you bring a boat or jet ski into Mexican waters, yes — your US marine policy doesn't apply, and Mexican marinas often require proof of coverage. Liability is the legal minimum; full coverage is recommended for any boat worth more than a few thousand dollars.
Does this cover rented boats or jet skis?
Generally no — rentals are insured by the rental operator. This policy is for watercraft you own and bring with you.
Can I customize my policy?
Yes. You can adjust liability limits, choose actual-cash-value vs agreed-value, and add or remove the trailer-coverage rider during the quote process.
Is hull damage covered?
Standard and premium plans cover hull and equipment damage. Liability-only plans do not. If your boat is worth more than its trailer, choose standard or premium.
Related articles
Best Temporary Mexican Auto Insurance
How to compare temporary Mexican auto insurance for short trips, weekends, and one-off Baja drives without overpaying for unused days.
Read more →Temporary Mexican Car Insurance Cost
What temporary Mexican car insurance actually costs, what changes the price, and how trip length and vehicle value shape the quote.
Read more →One-Day Mexican Auto Insurance for Mexico
How one-day Mexican auto insurance works for short Baja crossings, day trips, and tightly planned border travel where a longer policy doesn't fit.
Read more →Rosarito Ensenada Tijuana Insurance Guide
Driving to Tijuana, Rosarito, or Ensenada can look similar on a map, but the trip can feel very different depending on how far you are going, how long...
Read more →Looking for something different?
Mexican Auto Insurance
Short-term Mexican auto insurance from one day to one year, issued online and recognized by Mexican authorities at the border and in the event of a claim.
Learn more →Baja California Auto Insurance
Mexican auto insurance shaped for Baja drivers — Tijuana to Cabo, one-day or annual cover.
Learn more →Mexican Homeowners Insurance
Dwelling, contents, and liability coverage for homes, condos, and rental properties owned by US and Canadian citizens in Mexico.
Learn more →
