Watercraft and Boat Insurance and Services in El Paso 

Whether your boat is parked in the driveway or floating on the water, you want to make sure that it’s protected. At El Paso Low Cost Auto Insurance, we can help you get the coverage you need at incredible rates. With the dedicated and consistent support from our agents, you can rest assured knowing that your boat is protected. Our policy coverage includes all kinds of damages that could be done to your property. Learn more, today!

Why You Should Inquire About Insurance for Your Boat or Watercraft

Anything could happen and when worse comes to worst, you want to be prepared and have a plan. That’s where insurance comes in. If you’re found liable for damages, your policy can help cover legal or defense expenses if necessary. Additionally, your policy, depending on the damages and the details of the accident, can cover all damages where you don’t have to pay for anything out of pocket. Seeking personal protection for your boat or watercraft ahead of time can save you plenty in the end. 

What To Consider and Questions to Ask Your Agent 

Before you sign with a policy, there are a couple of things to take into consideration. Here are a few important questions to ask as you prepare your consultation with an agent. 

• What's the process for filing and settling a claim?

• What discounts and programs are available?

• How much medical insurance and liability coverage is enough?

• Is my boat or watercraft covered for use year-round?

• Do I have coverage if I need to have my boat towed in an emergency?

• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged, or stolen?

Personal Watercraft Policy Coverage

Auto insurance policies under the companies we represent may provide limited coverage for personal watercraft, which is why it is critical that you talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

If you were to purchase personal watercraft insurance, the policy would cover the following:

• Bodily injury

• Property damage

• Guest passenger liability

• Medical payments

• Theft of property 

Boat Insurance Coverage Costs

Boat and watercraft insurance from El Paso Low Cost Auto Insurance cover thousands of dollars in damages. Liability limits typically start at $15,000 and can be increased to $300,000, depending on the severity of the damages. Typical policies for boat and watercraft include deductibles of $250 for property damage, $500 for theft, and $1,000 for medical payments. You can also look into additional coverage that can protect trailers and other accessories that come with your boat and watercraft. You can get in touch with one of our insurance representatives to learn more about the policy that best suits your needs. 

We Got You Covered!

If you’re looking for an agency that can help you find specialized insurance for your boat or watercraft, look no further! You can fill out our online forms for a quote and give us a call today to help you sign up!