Utah has tons of opportunities for boaters to enjoy. From Hyrum State Park to Otter Creek, boaters, fishermen, and water sport enthusiasts enjoy a variety of opportunities for fun on the water.
Utah has, however, taken a strict stance when it comes to usage of the state's waters. When it comes to using your boat in Utah, be sure to check the state's website to be familiar with which types of boats are allowed on the body of water you're planning to visit.
Additionally, if you own a boat, you're more than likely required by law to carry insurance to protect you and other boaters from the financial impacts of an accident.
The state of Utah requires that all boaters who own a PWC or a vessel with more than 50 horsepower must carry insurance on their watercraft. Air boats and boats with less than 50 horsepower are exempt. The requirements are as follows:
You must prove you're insured by carrying one of the following:
Out-of-state boats must comply with their own state laws, or comply with Utah's state laws within 90 days.
Boat insurance is a set of policies put in place to protect you from the most common risks you face as a boater. A typical boating insurance policy can resemble the following:
Much like a fire extinguisher or life jacket, boat insurance is required to cover you and your boat in case of a disaster.
Boat insurance can help protect you in many situations. For instance, if you're boating, and getting ready to head home, and then damage your boat while pulling it up onto a trailer, your comprehensive insurance can help pay for the damage. If you're on the water and your batteries go dead, your towing insurance can kick in to help you get the assistance you need. If you're involved in a boating accident and your passengers need medical care, the costs can be extreme. With medical payments coverage, you'll have peace of mind that the medical costs can be covered.
Insurance companies know that there are many different types of boats, and each one needs a policy tailor-suited to fit the owner's needs. Below is a list of boat types that are most commonly covered by boat insurance:
This list is not exhaustive, but gives a general guideline for what boats are most typically covered. If you have a boat outside of the ones listed above, you can still get insurance. An insurance agent will be able to go over the insurance types recommended for your vessel.
Boat insurance prices can vary greatly, anywhere from a few hundred dollars per year to over $1,000. The amount you pay depends on the risks you face, along with some of the following factors:
Each of these factors will go into calculating a quote in order to make sure you are sufficiently covered.
There are discounts for almost every type of insurance policy, boat insurance included. The discounts may include the following:
Each insurance company has individual discounts available, so be sure to ask about any discounts you may qualify for that you're not aware of.
When purchasing boat insurance, it's important to make sure you have enough coverage for whatever a day on the water can throw your way. A Trusted Choice® agent is always available to help you discuss coverage options, suggest policies, find discounts, and even help you file a claim.