Home » Watercraft & Boat Insurance in Bountiful, UT

Watercraft & Boat Insurance in Bountiful, UT

Boat insurance is vital for boat owners. Like any vehicle, boats can experience accidents at unpredictable times. Boat insurance can offer excellent financial protection from high costs following an accident. Choosing the right policy may be challenging, and Axcess Insurance is here to help you learn more about policy options.

Is Boat Insurance Required?

In Utah, boat owners must carry liability insurance for property damage and bodily injury/death when operating in the state. However, if an accident occurs that isn’t covered by liability insurance, such as a collision or vandalism, boat owners may be faced with high out-of-pocket recovery or repair expenses. Sufficient boat insurance can provide excellent financial protection from accident costs.

What Does Boat Insurance Cover?

Boat insurance varies among policyholders. A typical boat insurance policy may include the following coverage options:

  • Property damage liability insurance
  • Bodily injury/death liability insurance
  • Uninsured/underinsured boater insurance
  • Comprehensive coverage
  • Collision coverage


Boat theft is commonly covered under comprehensive coverage. Additionally, a blown engine may be covered if it occurred due to a covered peril and not because of negligence or lack of maintenance. For example, if your engine is rendered inoperable due to a fire, your policy may cover it if you have comprehensive coverage. Speak to an Axcess Insurance agent to learn more about coverage options.

Is Boat Insurance Expensive?

Boat coverage rates can vary considerably among policyholders. Factors such as your insurance claim history, boat model and usage may be used by your insurance carrier to determine your premiums. If you have never filed an insurance claim, you will likely pay less for boat insurance than someone who has filed several.

Where Can I Find Coverage?

If you are a boat owner near Bountiful, Utah, the Axcess Insurance agents can help you learn about boat insurance policies to assist you in selecting a policy that best fits the coverage needs of you and your boat.

Call our agency today at 801-295-0754 to request a quote on a policy.

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