Utah Boat Insurance

Find the Best Boat Insurance Rates & Companies in Utah 

Boaters, fishermen, and watersports enthusiasts have numerous opportunities to enjoy fun on the water in Utah. But before you take your watercraft out for a ride, it's critical to be aware that the state requires boat insurance by law. Having boat insurance can also help you get the reimbursement you need after a collision and other threats.

A Utah independent insurance agent can help you find the right boat insurance. They'll get you matched to the ideal policy for your unique vessel. First, though, here's a closer look at Utah boat insurance requirements, costs, and more.

Best Boat Insurance Companies in Utah

Many different carriers in Utah offer boat insurance. But when you're looking for the best, it's helpful to know where to start looking. That's why we've included just a few of our top picks for the best boat insurance companies in Utah for you. Start by checking into these outstanding carriers.

1. Progressive: This carrier sells boat insurance and several other kinds of personal and business insurance. Progressive has a great financial strength rating from AM Best and provides year-round, 24/7/365 customer service.
2. Foremost: This carrier sells boat insurance and several other kinds of personal insurance products. Foremost has excellent AM Best and Better Business Bureau ratings and provides 24/7 claims reporting.
3. Travelers: This carrier sells boat insurance and many other kinds of personal and business insurance. Travelers has outstanding AM Best and Better Business Bureau ratings and offers many boat insurance discounts.

A Utah independent insurance agent can compare boat insurance quotes from these carriers and others that offer coverage in your area.

What Boat Insurance in Utah Can Cover

You can build a boat insurance policy according to your preferences. In Utah, the following coverages are offered by most carriers: 

• Boating liability insurance: This covers lawsuit costs related to third-party claims of bodily injury, death, or personal property damage. This coverage is required by law in Utah.
• Medical payments insurance: This covers the costs of medical treatments for yourself or your passengers after a boating collision, regardless of fault.
• Uninsured/underinsured boater insurance: This covers costs related to property damage and medical treatments after a collision with a boater who doesn't carry adequate insurance to reimburse you.
• Towing insurance: This covers the costs of emergency towing services if your boat breaks down on the water due to mechanical failure, etc.
• Collision insurance: Pays for damage to your boat from a collision with another object, regardless of fault.
• Personal effects insurance: This covers the costs for repairs or replacements for personal items, like scuba gear, fishing gear, and water skis, that get damaged, lost, stolen, or destroyed.
• Comprehensive insurance: Pays for damage to your boat due to a non-collision event such as a flood or theft. 
• Fuel spill/wreckage cleanup insurance: This covers the costs of wreckage and pollutant clean-up expenses if you cause a collision on the water.
• Equipment insurance: This covers the costs for repairs or replacements for equipment or accessories not originally installed by the manufacturer, such as GPS units, boat hoists, and more, that get damaged, lost, stolen, or destroyed.

A Utah independent insurance agent can recommend each type of coverage you may benefit most from including in your boat insurance policy.

Is Boat Insurance Required in Utah?

Yes, Utah requires boat insurance by law. Boaters must have at least the following types and amounts of coverage in Utah:

• $25,000/$50,000 in bodily injury liability and death coverage per incident
• $15,000 in property damage liability per incident or $65,0000 combined minimum coverage per accident

Note that these requirements don't apply to motorboats with engines that have less than 50 HP or airboats. Otherwise, you must have boat insurance before taking your vessel out on public waters in Utah.

What Boat Insurance in Utah Will Not Cover

Knowing what your boat insurance policy won't cover is just as critical as understanding what it will. In Utah, some of the most common boat insurance exclusions are:

• Wear and tear of the boat
• Animal damage to the boat and equipment
• Losses due to faulty or defective machinery
• Boat trailer loss, damage, and destruction
• Damage to the boat by marine life, insects, or mold
• Intentional or malicious acts against third parties

Remember that you can purchase endorsements to enhance your boat insurance policy, such as those that can cover damage, etc., caused by faulty or defective machinery.

Average Cost of Boat Insurance in Utah

Boat insurance tends to be highly affordable in Utah. In Utah, boat insurance costs an average of just $263 per year. However, these rates can vary based on:

• Your prior claims
• The types and amounts of coverage you select
• Your exact location
• Where your watercraft is stored while not in use
• Specifics of your watercraft, including its make and model
• The engine size and length of your watercraft
• Your personal boating record

If you've filed several boat insurance claims in the past, you can typically expect higher rates. Likewise, having a more expensive boat, which would cost more to repair or replace, can also result in higher premiums.

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What Boat Insurance Discounts Are Available in Utah?

Utah boaters can save tons of money on their boat insurance by way of various discounts. Some of the discounts offered by many carriers in the state include:

• Bundling discounts: If you bundle your boat insurance with home insurance, auto insurance, or another policy through the same carrier, you can earn discounts on each one.
• Boater safety course discounts: If you complete a state-approved boater safety course, you can often earn a boat insurance discount.
• Security discounts: If you protect your watercraft against theft, vandalism, etc., with security devices, you can often earn a discount.
• Lay-up discounts: If you only use your boat only during the summer months, you can often earn a boat insurance discount.
• Loyalty discounts: If you keep your boat insurance with the same carrier for a set number of years, you can often earn a discount after a while.
• Affiliation discounts: If you're affiliated with various groups and organizations, you can often earn a discount on boat insurance.

A Utah independent insurance agent can help you save as much money as possible on boat insurance by applying any discounts you qualify for to your policy.

Popular Questions about Utah Boat Insurance