FAQs (data-driven)

Boat Insurance

• What is boat and watercraft insurance?

  Boat and watercraft insurance is coverage designed to help protect your vessel, passengers, and financial investment from accidents, damage, liability, theft, and other unexpected events. Policies can be customized for different types of watercrafts, including fishing boats, speedboats, sailboats, yachts, and personal watercraft.

• Why do I need boat insurance?

  Boat insurance helps protect you from the financial risks that come with owning and operating a boat. Coverage may help pay for damage to your boat, liability if you’re responsible for injuries or property damage, medical expenses, theft, and other covered losses. It can also provide peace of mind while you’re on the water or towing your boat to your next destination.

• Is boat insurance required in Utah?

  Yes, in many cases. Utah requires motorboats and personal watercraft operated on Utah waters to carry liability insurance. Proof of insurance must be kept onboard while the vessel is in operation.

• What does boat insurance typically cover?

  Boat insurance can include coverage for physical damage to your vessel, liability for injuries or property damage, medical payments, theft, vandalism, storm damage, personal belongings, trailers, and emergency assistance. Coverage options vary by policy, so it’s important to work with an insurance agent to choose protection that fits how and where you use your boat.

• What types of boats and watercraft can be insured?

  Boat and watercraft insurance may be available for many types of vessels, including sailboats, yachts, speedboats, fishing boats, pontoon boats, and personal watercraft. A Goldenwest Insurance Services agent can help you review your options and find coverage for your specific vessel.