Having boat insurance in Utah is essential for protecting your investment, whether you own a fishing boat, Jet Ski, yacht, sailboat, or other watercraft. Not only is boat insurance required in the State of Utah, but it also safeguards you from the high costs of repairing or replacing your boat. Before you settle on just any policy, contact The Insurance Pros, and we’ll customize boat coverage that works best for your specific needs.
Collisions with other boats or objects
Vandalism or Fire damage
Theft
Damage from Uninsured/Underinsured Boaters
In addition to these essential elements, you can add coverage for fishing equipment, water skis, and other personal items on board.
Boat insurance typically covers the cost of repairing or replacing the boat itself. Additionally, it’s crucial to consider boating liability coverage, which can protect you from costs associated with injuries, medical payments for passengers, and guest passenger liability. This comprehensive approach helps ensure that you’re financially secure in case of an incident on the water.
If your boat is stolen or suffers extensive damage, it’s important to note that your home or auto insurance will not cover these costs. This is why dedicated boat insurance is critical to avoid unexpected expenses.
Yes, boat insurance is required in Utah if you operate a personal watercraft with an engine over 50 horsepower. For motorboats on Utah waters, state law mandates that you carry owner’s or operator’s liability insurance.
The required minimums are:
$25,000 for bodily injury (per person)
$65,000 for total bodily injury (multiple people injured)
$15,000 for property damage
Call The Insurance Pros today to learn more about boat and watercraft insurance options, and let us help you find a policy that meets Utah’s requirements while fitting your needs and budget.
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