Watercraft & Boat Insurance in El Paso, TX
The cost of a boating accident or other incident that causes damage to your watercraft can be significant if you don’t have the right insurance policy in place. Whether you use your vessel for weekend recreation or competitive sport, watercraft and boat insurance can be customized to give you a financial safety net against unforeseen risks. 
What Does a Policy Cover?
While specifics may differ per insurer, a typical policy can offer the following:
- Comprehensive coverage for damage caused by fires, natural disasters, theft or vandalism
- Collision coverage for damage caused by hitting an object, a dock or another watercraft
- Liability coverage for bodily injury or property damage you cause to others
- Medical payments coverage for injuries sustained by you or your passengers, regardless of fault
- Uninsured/underinsured watercraft coverage for accidents involving at-fault boaters who carry insufficient insurance
- Personal property coverage for fishing gear, safety equipment and other items aboard
Why Boaters Need Specialized Coverage
A homeowners policy may extend limited protection to small watercraft, but that coverage typically excludes larger vessels and those with motors that exceed a certain horsepower level. Watercraft insurance can address the specific risks boaters face, including salvage operations, on-water towing and fuel spill liability. Without a dedicated and customized policy, a single incident can expose you to extensive out-of-pocket expenses.
Coverage requirements vary by state and other unique circumstances, so it pays to work with our agents who understand both your policy options and your coverage needs.
Get the Right Coverage
Contact Omega Insurance Agency to review your coverage options and request a quote.