Watercraft & Boat Insurance in Salt Lake City, UT
Boat insurance is essential because watercraft can experience accidents and losses just like cars or other vehicles. Choosing the right policy may be challenging, but Axcess Insurance Group is here to help you learn more about your options.
Is Boat Insurance Required? 
Yes, Utah requires boat liability insurance if your vessel has an engine rated over 50 horsepower. Even if your boat doesn’t meet that threshold, having insurance is still a wise choice. With adequate coverage, you can avoid paying out of pocket in the event of an accident, damage, or loss.
What Does Boat Insurance Cover?
Boat insurance may vary depending on the insurer, but a standard policy may provide the following coverages:
- Liability coverage may help pay for legal and medical expenses if you’re found liable for third-party bodily harm or property damage.
- Property liability may cover damages you may have caused to another watercraft or property while operating your boat.
- Bodily injury liability may be helpful if you cause injuries to another person while operating your boat.
- Comprehensive coverage may protect against non-collision losses such as fire, theft, vandalism, or weather-related damage.
- Collision coverage may pay for repairs if your boat collides with another watercraft or a stationary object like a dock.
How Much Does Boat Insurance Cost?
The cost of boat insurance may vary depending on different factors, such as the following:
- Your location
- Your boating experience
- Your claims record
- The size, type and value of your boat
Contact Axcess Insurance today to learn more or request a personalized quote.