Syracuse:   801-825-3887
Roy:   801-776-3540
Kaysville:   801-716-7116
Commercial:   801-449-9366
Marriott-Slaterville   801-695-9994

Why Should I Have Boat Insurance?

Why Should I Have Boat Insurance?

Boating season is arriving here in Utah! Even though some of our lakes are still closed due to COVID-19, many of you are already heading out to find some relief from staying in your homes/social distancing. Whether you are a Willard Bay boater, or you trek down to Lake Powell, your boating investment should have the proper coverage!

Doesn’t my homeowners policy cover my boat?

Many people believe that their homeowners policy will extend coverage to their boat. Well, you’re not wrong. Your policy likely has some coverage for your boat, but this is usually limited to $1,500. Even if your boat is a late 1990’s model, this will not be enough coverage. Your policy may also have limits on the size and horsepower of boat coverage will extend to.

We always recommend purchasing a standalone boat insurance policy for you boat or personal watercraft!

What boat insurance covers:

A boat insurance policy is fairly similar to your auto insurance when it comes to coverages. These policies both provide liability and property damage coverage in case of an accident. Depending on the insurance carrier and coverages you choose, your boat insurance policy can include coverage for the following:

  • Liability Coverage for your boat hitting another boat, a dock, swimmer, or skier
  • Uninsured/Underinsured Boater Coverage for injury to you or passengers caused by a boater without proper coverage
  • Medical Expenses for injuries to you or passengers as a result of a boating accident
  • Property Damage Coverage for your boat due to an accident, theft, fire, or other covered peril
    • Some carriers will extend coverage to your boat trailer
  • On-Water Towing Coverage is available through some of our carriers as well

We have several carriers that offer boat insurance such as Progressive, Safeco, Auto-Owner, Travelers and more. We can shop with each of these carriers to find you the right coverage for the best price. Rates do vary depending on the size, value, and type of boat you have.

Is boat insurance required in Utah?

Cruise with Coverage, it’s the Law! Every boat with over 50 horsepower and personal watercraft operating in Utah waters is required to carry the state minimum insurance requirement of $25,000/$50,000 bodily injury– $15,000 property damage or $65,000 combined minimum per accident. You may be required to present a copy of your policy, a binder notice, or insurance card at any time on the water.

Contact A Insurance today at 801-825-3887 or Click Here to submit an online request for a no-hassle boat insurance quote from! Happy Boating!