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Utah Boat Insurance

Utah Boat Insurance

Utah ranks sixth in boatable water in America. If you’re enjoying the Beehive State’s lakes and reservoirs, you’ll need quality Utah boat insurance coverage before hitting the water.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Utah Boat Insurance Made Simple

Owning a boat in Utah means lake days, glassy mornings, and big mountain views. But out on Jordanelle, Bear Lake, Lake Powell, or your favorite reservoir, anything can happen.

A collision. An afternoon windstorm. A theft from the driveway or storage lot.

In Utah—where high-elevation weather changes fast and tow sports pack the coves—having the right boat insurance isn’t optional. It’s essential.

At IronPoint Insurance Services, we make Utah boat insurance easy to understand and easy to buy. Fast quotes. Smart coverage. Personal advice.

Know What Your Utah Boat Insurance Covers

When you’re on the water, you don’t want surprises.

Here’s what a strong Utah Boat Insurance policy usually covers:

Coverage Type

What’s Covered

Typical Details

Physical Damage Coverage

Repair or replacement of your boat, motor, and trailer

Covers accidents, vandalism, weather, and submerged object strikes common on reservoirs

Liability Coverage

Injuries or property damage you cause to others

Critical for collisions at marinas, docks, or crowded launch ramps

Medical Payments

Medical bills for you and your passengers

Regardless of fault

Uninsured Boater Coverage

Injuries caused by an uninsured or underinsured boater

Protection when the other party doesn’t have enough coverage

Towing and Assistance

Help when stranded on the water

Emergency towing, fuel delivery, jump-starts, and minor repairs

A policy built for Utah’s real-world boating—not just bluebird forecasts.

Special Risks Utah Boat Owners Should Know

Boating in Utah brings big scenery—and specific risks.

  • High-elevation wind & chop: Rapid weather shifts on mountain reservoirs increase collision and equipment-loss risk.
  • Off-season storage & theft: Driveway and storage-lot thefts rise when boats are laid up for winter.
  • Winterization & freeze: Freeze damage is a real risk without proper lay-up; know what your policy does and doesn’t cover.
  • Aquatic Invasive Species (AIS) compliance: Annual course/fee and decontamination rules are enforced—non-compliance can lead to citations and delays.

Smart coverage isn’t just about your boat. It’s about protecting everything your boating touches—people, property, and your season.

Other Protection Options to Consider

Every boat and every boater is different.

Utah owners often add:

  • Trailer Coverage: Protects your trailer against damage or theft at home, on the road, or at the ramp.
  • Agreed Value Coverage: Locks in your boat’s full value—no depreciation if there’s a total loss.
  • Fishing Equipment & Electronics: Covers rods, reels, tackle, fish finders, and GPS units.
  • Personal Effects Coverage: Protects phones, cameras, coolers, and clothing while aboard.

Protect more than your boat. Protect your adventure.

Utah Boating Laws and Insurance Tips

Utah has unique requirements boaters should know:

  • Liability insurance is required in Utah for most motorboats and all PWCs (engines under 50 hp and airboats are exempt). Keep proof of insurance on board.
  • Minimum limits apply (split limits or combined single limit). Ask us what’s right for your assets and boat size.
  • Annual Mussel-Aware Boater course & AIS fee are required for anyone launching any watercraft in Utah. Complete the course, pay the fee, and display the current-year decal. See state links for details.
  • Youth/PWC education: Operators ages 12–17 must complete an approved course for PWC; supervision rules apply for younger operators.
  • Life jackets: One USCG-approved PFD per person; children 12 and under must wear one. Type IV throwable required on boats 16’+ (except canoes/kayaks).
  • Registration & titling: Most motorized boats must be registered with the Utah DMV; titling rules apply to many 1985+ watercraft.

Insurance isn’t just paperwork. It’s permission to enjoy Utah’s waters with real peace of mind.

How to Save on Utah Boat Insurance

Protecting your boat doesn’t have to empty your wallet.

You can often save by:

  • Completing an approved boating safety course (youth courses are required for PWC; adults may earn discounts).
  • Bundling your boat and auto insurance.
  • Installing approved safety equipment like GPS, battery cutoff, fire extinguishers, and alarms.
  • Choosing a lay-up period if your boat is stored part of the year.
  • Keeping a clean boating record free of accidents and claims.

The safer you are, the more you can save.

Why Choose IronPoint for Your Utah Boat Insurance?

You don’t just need any policy. You need the right policy.

At IronPoint Insurance Services, we:

  • Work with top-rated marine insurers that serve Utah’s lakes and reservoirs.
  • Know local risks—from wind on Deer Creek to big-water days at Powell.
  • Offer personal advice—not just cookie-cutter coverage.

Get a policy built for real Utah boaters. And get it from people who know the water.

Helpful resources: Utah Boating Education · Mussel-Aware Boater Course · Utah DMV Boat Registration · Life Jacket Rules

Start a Utah Boat Insurance Quote

Compare Utah boat insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Utah Boat Insurance FAQs

Is boat insurance required in Utah?
Yes. Utah requires liability insurance for all personal watercraft (PWC) and for motorboats with engines of 50 horsepower or more. Motorboats under 50 hp and airboats are exempt. You must carry proof of insurance on board while operating. Minimum limits are $25,000/$50,000 bodily injury and $15,000 property damage (or $65,000 combined single limit).
What are the minimum boat liability limits in Utah?
Utah’s minimums are $25,000 per person / $50,000 per accident for bodily injury and $15,000 for property damage (or $65,000 CSL). Many boaters choose higher limits—or an umbrella policy—to better protect their assets and cover marina requirements.
Do I need the Mussel-Aware Boater course and AIS decal in Utah?
Yes. All boaters (motorized and non-motorized) must complete the annual Mussel-Aware Boater course. Motorized boats must also pay the Aquatic Invasive Species (AIS) vessel enrollment fee and display the current-year decal. The fee is $20 per watercraft for Utah residents and $25 for nonresidents; complete the course before paying. Keep proof handy
Do I need to register or title my boat in Utah?
Most motorized boats must be registered with the Utah DMV. Many 1985-and-newer watercraft must be titled (with specific exceptions). Keep the registration certificate on board while operating.
What boating safety gear is required in Utah?
A USCG-approved life jacket is required for every person on board; children 12 and under must wear one while underway. Boats 16–39 feet must carry at least one Type IV throwable PFD; boats 40 feet and longer must carry at least two.
Are there age or education rules for operating in Utah?
Youth ages 12–17 must complete an approved course to operate a PWC. Adult boating courses are strongly recommended, and the Mussel-Aware Boater course is required annually for everyone who launches in Utah.
What does a typical Utah Boat Insurance policy cover?
Core coverages usually include Physical Damage (boat, motor, trailer), Liability (injury/property damage to others), Medical Payments, Uninsured/Underinsured Boater, and Towing/Assistance. Popular options include Agreed Value, Trailer coverage, fishing gear/electronics, and personal effects.