Boat & Watercraft Insurance
Mexican Watercraft Insurance for Boats and Jet Skis
Liability 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. Mexican law requires every vessel navigating in Mexican marine zones or inland waters to carry civil-liability insurance (Ley de Navegación y Comercio Marítimos, art. 176 — diputados.gob.mx/LeyesBiblio/pdf/LNCM.pdf), and Baja Bound's watercraft policy is liability cover: it pays for damage or injury you cause to others, and it does not cover physical damage to or theft of your own boat (bajabound.com/insurance-info/watercraft). 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: damage or injury you cause to others
- Legal assistance, "a call away. Available 24/7." (Baja Bound's wording)
Source: Baja Bound's watercraft page (bajabound.com/insurance-info/watercraft).
What's not covered
- Physical damage to your boat
- Theft of your boat
- Passenger medical payments
- Racing or other competition (Baja Bound's wording)
Source: Baja Bound's watercraft page (bajabound.com/insurance-info/watercraft).
How to get covered
- 1Enter the boat's value, length, and your trip dates.
- 2Pick the coverage you want from the quote.
- 3Pay online and bring the policy with you to the marina.
Take your boat south of the border, covered.
Get a QuoteFrequently asked questions
Do I need watercraft insurance in Mexico?
Yes. Mexican law requires every vessel navigating in Mexican marine zones or inland waters to carry protection-and-indemnity (civil liability) insurance (Ley de Navegación y Comercio Marítimos, art. 176 — diputados.gob.mx/LeyesBiblio/pdf/LNCM.pdf), and Baja Bound's FAQ says boats entering Mexican ports are required to carry third-party liability coverage (bajabound.com/faqs).
Can I customize my policy?
Yes. You can adjust coverage options during the quote process.
Is hull damage covered?
No. Baja Bound's watercraft page says physical damage to and theft of your boat are not covered (bajabound.com/insurance-info/watercraft).
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Independent
SmartGringo is a Mexico-resident-run review site. We compare Mexican insurance products and earn affiliate commission when you buy. We don't sell insurance ourselves — we recommend it.
Who sells the policy
Insurance through Baja Bound Insurance Services, Inc. (CA License #0D25373), IMG Global, and TME Travel Insurance. We refer you; they sell and service the policy.
Edited from Rosarito
SmartGringo is edited from Rosarito, Baja California. The newer guides are written by the founder, who lives there; older posts came from outside contributors.
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