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Boat insurance that protects your freedom too in Santa Fe, Los Alamos & Rio Rancho, NM

With Orale Insurance, you can boat exactly how and where you want

We want you on the water actually enjoying your boat. That's why we make it as easy as possible to get insurance and stay protected almost anywhere you boat. At Orale Insurance, we drop the common requirements other insurers may force on you such as marine surveys, navigation plans and travel restrictions. To learn more, call us at 505-819-0225.

Welcome to the easiest place to get boat insurance

Most of the time, all you need to do is get a boat insurance quote online, tell us a bit about your boat and you're covered today. It should be that easy everywhere, but it's not. Here's how we make it easier and why it matters.

No navigation plan required

Other insurers may require you to submit a navigation plan that describes where you're boating. Yeah, it's kind of like how your parents used to ask where you were going every time you left the house. We're not your parents, and instead we give you the freedom to just get up and boat without telling us.

Accept more types of boats and sizes

We insure bass boats, sailboats, pontoons, powerboats and pretty much all other watercraft up to $350k in value and 50 feet long. See the common types of boats and PWCs we insure and our coverage limitations. If you have a unique situation, just give us a call, and we'll do what we can to cover you.

Boat insurance coverage that's easy to get and easy to love

The actual protection you get is a big reason why we're one of the leading boat insurance companies. These are just a few of our coverages. See more boat insurance coverages.

  Propulsion Plus® coverage for mechanical breakdowns   You’ve probably heard that insurance never covers common wear and tear or mechanical breakdowns. Think again because Orale Insurance boat insurance does. We’ll repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown—even if it’s caused by wear and tear.  Sign & Glide® for towing on the water   We’ll pay for towing, fuel delivery, soft ungroundings and jump starts if your boat breaks down on the water. All you have to do is call our dispatch center (number included on your policy card). Orale Insurance even arranges for the tow and pays the tow operator directly (in most cases).  Total loss replacement for a brand new boat   You can purchase this coverage if your boat is no more than one model year old. If it’s totaled within 5 model years, we’ll either buy you a new one or give you the amount you originally paid for your totaled boat—your choice. If you’re outside the 5-year window, we’ll give you the original purchase price you paid. No depreciation. No estimations. Just extra cash for you. For example, let’s say you bought a brand new boat three years ago for $15,000, but that boat is now only worth $10,000. If you have a total loss, other insurers might just try to give you $10,000 and say that’s what your boat is worth. But a new boat will cost you $15,000+. So we’ll spend the full $15,000+. That’s a real $5,000 difference you get with us.

You’ve probably heard that insurance never covers common wear and tear or mechanical breakdowns. Think again because Orale Insurance boat insurance does. We’ll repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown—even if it’s caused by wear and tear.

We’ll pay for towing, fuel delivery, soft ungroundings and jump starts if your boat breaks down on the water. All you have to do is call our dispatch center (number included on your policy card). Orale Insurance even arranges for the tow and pays the tow operator directly (in most cases).

You can purchase this coverage if your boat is no more than one model year old. If it’s totaled within 5 model years, we’ll either buy you a new one or give you the amount you originally paid for your totaled boat—your choice. If you’re outside the 5-year window, we’ll give you the original purchase price you paid. No depreciation. No estimations. Just extra cash for you.

For example, let’s say you bought a brand new boat three years ago for $15,000, but that boat is now only worth $10,000. If you have a total loss, other insurers might just try to give you $10,000 and say that’s what your boat is worth. But a new boat will cost you $15,000+. So we’ll spend the full $15,000+. That’s a real $5,000 difference you get with us.

More boating freedom

Get Orale Insurance boat insurance, and you're automatically covered on all lakes and rivers in the U.S. and Canada plus ocean waters within 75 miles of the coast. No questions asked

We insure more than 1 million watercraft

35+ years of boat insurance experience. Over 1 million watercraft insured. Yeah, it's safe to say we're one of the best boat insurance companies. Get a boat insurance quote and see why.