Compare Boat Insurance for House & Nearby Waters
From trailerable runabouts and fishing boats to small sailboats and PWCs, we build policies for local lakes like Ute Lake, Conchas Lake, and weekend trips in Quay County.
Why Boat Insurance Matters Here
Local waterways include reservoirs, rivers, and potential wind or storm conditions. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, fuel-spill liability, salvage & wreck removal, and fishing gear/personal effects. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Heading to Ute Lake or Conchas Reservoir? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and lake access requirements.
Build the Right Boat Policy
Hull & Valuation
- Agreed Value for total losses (no depreciation) or ACV for lower premiums
- Partial loss settlement on OEM parts where available
- Coverage for machinery/underwater gear (lower units, props, shafts) per form
Liability & People
- Watercraft liability to satisfy lake or park requirements
- Medical payments for you/guests aboard
- Uninsured/underinsured boater (where offered)
Situational Add-Ons
- On-water towing/assistance and soft-ungrounding
- Salvage & wreck removal with separate limits
- Fuel spill liability and pollution coverage
- Fishing equipment & personal effects (scheduled limits)
- Trailer, tender/dinghy, electronics
Navigation, Storage & Storms
- Inland/lake navigation territories set to your cruising plan
- Lay-up/dry storage terms matched to your habits
- Storm plan & haul-out reimbursement where available
New Mexico Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on NM waters must be registered with the NM Department of Game and Fish, and boats over certain lengths may require titling. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a Boating Safety Certificate issued via NM-approved courses. Carry your card while operating.
Local Planning
Check weather, lake levels, and access points before you cast off. State parks commonly require proof of insurance to launch or dock.
Tip: If your boat is financed or you use state park facilities, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where House Boaters Go (and How We Insure It)
Many owners launch near Ute Lake State Park or Conchas Lake and enjoy inland waters. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a local ramp or trailer to nearby reservoirs.
Our Process for House Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/berth.
- Usage & Territory — inland lakes, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certificate, and access requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every House Boater
House, and nearby areas in Quay County, including Tucumcari, Logan, and around Ute Lake State Park.
Local Resources
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized boat insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in House, NM
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and lake access. We’ll size liability, choose agreed value vs. ACV, and add towing, salvage, and fuel spill coverage as needed.
Get Your Boat Insurance Quote in House
Prefer to talk? Call or text: 833-586-3264.
