Lake Powell, Sand Hollow, Quail Creek, Gunlock — Utah has incredible water. Whether you've got a bass boat, pontoon, wakeboard boat, or jet ski, we'll find coverage that matches your time on the water.
Here's what boat & watercraft insurance protects you from — and why it matters for Utah residents.
Covers physical damage to your boat from collision, storms, fire, theft, vandalism, and sinking.
Covers bodily injury and property damage you cause to others while operating your watercraft.
Protects you if another boater without insurance causes damage to you or your vessel.
Covers fishing gear, electronics, water sports equipment, and other personal items on board.
Covers on-water towing, fuel delivery, and emergency assistance when you're stranded.
Anyone who owns a boat, jet ski, pontoon, kayak with a motor, or other watercraft in Utah. Even small boats can cause significant liability exposure.
Typically 1–2% of the boat's value per year. A $30,000 boat might cost $300–$600/year to insure. Factors include boat type, size, age, and your boating experience.
Homeowners policies offer very limited watercraft coverage — usually only for small boats (under 25-26 feet) with limited horsepower. For proper protection, you need a dedicated boat policy.
Not by state law, but your marina, lender, or lake authority may require it. Regardless, the liability exposure from boating makes coverage essential.
Yes — most policies cover your boat year-round, including during winter storage. This protects against theft, vandalism, and weather damage while stored.
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