If you like enjoying your boat in Utah, watercraft insurance from Fabco Insurance Agency LLC is one of the best investments you can think of to protect you from financial losses. While boat insurance won’t prevent accidents, it lessens your financial burden when perils happen because boating accidents can be very costly.
Is boat insurance required in Utah?
Unlike most states, Utah requires boaters to purchase boat insurance when they want to have a good time in the water. If you have a boat with more than 50 horsepower, you must include bodily injury and property damage liability policies in your boat insurance.
However, just like auto insurance, the state-required boat insurance doesn’t cover you optimally. You need to stick your neck out for other coverage options.
Optional boat insurance policies
If you want to have peace of mind both in and out of the water, you must consider other boat insurance options. These include:
- Collision coverage: When you have a boating accident, liability coverage won’t cover you or your boat — it covers third parties. That said, invest in collision coverage to cover physical damage to your boat when accidents happen.
- Comprehensive coverage: It covers physical damage or loss to your boat when inflicted by non-collision perils like fire, vandalism, natural disasters, and theft.
- Medical Payments (MedPay): It covers medical expenses for you and your passengers when accidents happen, regardless of who was at fault.
- Emergency assistance: If your boat breaks down miles away from the shore, this insurance coverage bails you out.
- Uninsured boater coverage: While boat insurance is mandatory in Utah, you will still find irresponsible boaters without insurance. Unfortunately, boaters without insurance leave several uncovered expenses for the accidents they cause. Thankfully, if you invest in uninsured boater insurance, you don’t have to worry about damage and injuries caused by uninsured boaters.
Are you shopping for boat insurance in Utah? Don’t hesitate to contact Fabco Insurance Agency LLC for a competitive quote.
Need a Hand?
Ask Our Fabco Assistant
Get instant answers about boat and watercraft insurance in Utah. For specific advice, our licensed Utah team is just a call away, 801-999-4229 or ricco@fabcoinsurance.com.
Boat Insurance Assistant
Insurance Made Simple
At Fabco Insurance Agency, LLC we give you the best customer service because we know how important you are. Get a free auto or homeowners quote with us today and see how much you can save.