Utah may be landlocked, but with the Great Salt Lake, Bear Lake, Lake Powell, and dozens of reservoirs, there is plenty of water to enjoy. If you own a boat or personal watercraft, the right insurance keeps a day on the water from turning into a financial headache. Here is what Utah boat owners should know.
Why your boat needs its own policy
Your homeowners or auto policy may offer a little coverage for a small boat, but it is rarely enough. Most watercraft need a dedicated policy to cover liability on the water, damage to the boat itself, and the specialized risks of boating.
What boat insurance covers
- Liability: covers injuries or property damage you cause to others while operating your boat.
- Physical damage (hull): repairs or replaces your boat after a collision, storm, fire, or theft.
- Uninsured boater: protects you if another operator causes an accident and has no coverage.
- Personal property & equipment: covers gear, electronics, and accessories on board.
- Trailer & towing: can extend to your trailer and on-water towing if you break down.
Ways Utah boaters can save
Ask about lay-up coverage that lowers your premium while your boat is stored through Utah’s winter, take a boating safety course, and bundle your boat policy with your home or auto for a multi-policy discount.
Ready to get on the water with confidence? Learn more about boat and watercraft insurance or compare your quotes online today.