Boat & Watercraft Mexican Insurance for US Travelers

Two Exposures, One Trip

A boat trip into Mexico has two distinct insurance needs. On the road, the tow vehicle and the boat trailer behind it are on Mexican highways, and Mexico requires valid liability insurance from a Mexican-licensed insurer for that vehicle — your US or Canadian policy is not recognized by Mexican authorities. On the water, the boat or personal watercraft itself faces its own risks. We put both pieces in place so you're covered from the driveway to the launch ramp and out on the water.

We write coverage for the full range of watercraft that head south: center-consoles and fishing boats, pangas and skiffs, ski and wakeboard boats, and jet skis or other personal watercraft (PWC).

What These Policies Can Cover

Don't Forget the Trailer

The boat trailer is part of your rig and should be listed on the auto policy with its own value. A trailer that isn't declared may not be covered if it's damaged or stolen on the trip. If you want the boat and trailer protected for damage or theft on the road, add full coverage, which settles in US dollars at US labor rates up to the stated value.

Frequent Fishing Trips

If you run the same Baja or Sea of Cortez circuit several times a year, compare buying short-term coverage each trip against an annual policy for the tow vehicle. The required road liability is the foundation; the on-water coverage is layered on top.