Month: July 2025

If you’re in the Rio Rancho, NM area and own a boat, you may have questions about boat insurance. One common concern is whether you need to keep insurance on your boat during the winter months. At Franklin Insurance Agency, we can answer your boat policy questions and help ensure you have the right coverage for all your adventures. Here’s what to consider when deciding whether to keep your boat insured year-round.

Where Do You Park Your Boat?

One important factor to consider when protecting your boat is where you park it when it’s not in use. If you keep it docked or in a commercial storage facility, you may be required to insure it. Keeping it in your yard or driveway on a trailer is different, but it’s still at risk of theft or damage. Even if you aren’t required to have it insured during the winter, it’s best to keep it protected throughout the year.

Warm Weather Means a Long Boating Season

New Mexico’s warm days often extend the boating season, meaning you might use your boat for a majority of the year. Keeping it insured year-round ensures you’re always ready to get out on the water. You won’t have to worry about lapses in coverage or whether you have the proper type and level of protection. Enjoying the beautiful weather is easier when insurance is one less thing to worry about.

Get the Right Help for Your Policy Needs

Whether you already own a boat or are planning to buy one, contact us at Franklin Insurance Agency if you’re in the Rio Rancho, NM area. Our dedicated agents are here to help you protect your boat for the long term.