⛵Looking for Watercraft, Boat or Jet Ski Insurance in Utah?
You'll enjoy the water, even more, when you're not worried about the safety of yourself, your passengers, or your investment. Here are a few things to consider when looking for boat
insurance in Utah:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- You also need boat insurance when it's on land. Accidents can happen while towing a watercraft.
On this page: How Much Is Boat Insurance in Utah? | Jet Ski Insurance In Utah | What Does Personal Watercraft Insurance Cover? | Start Saving!
How Much Is Boat Insurance in Utah?
The typical cost of boat insurance varies based on the type of water vehicle you're insuring as well as other factors. You should contact an agent for a quote to get a more accurate price of insurance for your boat. Here are some general pricing guides for boat or jet ski insurance:
- Liability limits start at $15,000 and can be increased to $300,000.
- Typical policies include deductibles of $250 for property damage, $500 for theft, and $1,000 for medical payments.
- Additional coverage can also be purchased for trailers and other accessories.
You should talk to your insurance representative about the type of coverage that would best suit your needs.
⛵Jet Ski Insurance In Utah
Owning a jet ski in Utah provides endless fun as the state has many lakes and reservoirs to choose from, but it’s important to ensure you have the right jet ski insurance in Utah before hitting the water. Whether you’re riding at Lake Powell or Bear Lake, a jet ski insurance policy can help protect you financially in case of accidents, theft, or damage to the watercraft.
What Is Jet Ski Insurance Coverage?
Jet ski insurance is a type of watercraft coverage we offer at Keystone Insurance that is designed to protect personal watercraft (PWC) from a range of risks. A typical jet ski policy includes:
- Liability Coverage - This type of insurance protects you if you cause injury or property damage to others while operating your jet ski.
- Collision Coverage - This covers repair or replacement costs if your jet ski is damaged in an accident.
- Comprehensive Coverage - Provides protection for non-collision incidents with your jet ski like theft, vandalism, or weather-related damage.
- Uninsured/Underinsured Boater Coverage - Helps cover expenses if another boater without adequate personal watercraft insurance causes an accident.
- Medical Payments Coverage - Provides financial relief in instances that a jet ski accident results in medical expenses for you and your passengers.
Is It Worth Having a Jet Ski Policy?
Many jet ski owners assume that their homeowners or auto insurance policy will cover their personal watercraft, but in most cases, this coverage is limited or nonexistent. It is against Utah’s watercraft laws to not carry a PWC policy on a jet ski. Owners of jet skis must carry at minimum liability insurance for their jet ski. Investing in a dedicated jet ski insurance policy provides many benefits, including:
- Financial protection against costly accidents or legal claims.
- Peace of mind while riding, knowing you’re covered for unexpected incidents.
- Coverage for damage caused by uninsured boaters.
- Protection against theft or vandalism, which is a common risk for stored or docked jet skis.
Given the high cost of jet ski repairs and the stress of liability claims, having a standalone jet ski insurance policy is often the best way to safeguard your investment.
How Much Does Jet Ski and Boat Insurance Cost in Utah?
Many times, boats and jet skis can be endorsed to your homeowners insurance, but in some cases, it’s required to obtain a separate policy to insure these toys correctly. The biggest contributor to boat rates rising in Utah is simply the increasing replacement cost for these watercraft. A new surf boat about five years ago could be found for under $100,000, but today we see a starting price closer to $165,000, with the higher end of the market topping out at almost $500,000 for these recreational surf and ski boats.
Consider endorsing these onto your homeowners insurance and compare the cost with a standalone boat policy. If you choose a boat with horsepower under 300 HP, this will help your rates considerably because some insurance companies don’t want to insure a high-horsepower ski boat. Choose two or three boat models and price out the insurance before making your final decision.
Get a Free Jet Ski Insurance Quote Today
At Keystone Insurance, we understand the unique needs of jet ski owners in Utah. Our team can help you find an affordable, comprehensive jet ski insurance policy that gives you the protection you need while you enjoy Utah’s waterways. Contact our team today for a free jet ski insurance quote and ensure your personal watercraft is properly covered.
⛵What Does Personal Watercraft Insurance Cover?
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your boat or jet ski in the event of an accident.
The personal watercraft policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
- theft
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Jet Ski & Boat Insurance Quote Forms
Looking for jet ski or boat insurance coverage in Utah? Click the link below to submit a quote for quick, accurate, and affordable rates.