Utah Has Some of the Strictest Boat Insurance and Registration Requirements
Boating in Utah, there are many requirements to stay legal on the state’s waters. Registration for both motorboats and sailboats is required, though kayaks and other smaller boats are exempt. PWC, or personal watercraft that use a motor and a jet of water for propulsion, also require registration. Currently, only motorboats with a 50 horsepower or greater motor are required to carry liability insurance, which is more than most sailboats would use as a backup. They aren’t required to carry insurance by law. Sailboats may be required by places they visit or are stored, such as marinas, to have minimum levels of insurance coverage. With today’s busy waterways, these requirements may change, and insurance is always a good idea to protect yourself, especially on larger or more valuable boats. Keep in touch with Christensen Insurance Group in Sandy, UT to stay abreast of changes in Utah boating insurance requirements.
Out-of-State Visitors Need to Meet Home-State Requirements
If you’re bringing a sailboat from another state, Utah allows up to 90 days to register your boat and insure it as a resident. Otherwise, adherence to your home state’s registration and insurance requirements is required when visiting. Of course, you’re still liable for accidents and at risk for your own boat’s safety if something happens, so coverage is still wise.
No Matter What Insurance You Carry, Follow the Utah Boating Checklist
Utah has a list of requirements based on vessel size, including warning devices, life vests, throwable floatation devices, and bailing devices. If you have insurance, ensure you meet state requirements for your vessel and any additional insurance requirements. Call Christensen Insurance Group in Sandy, UT, and we can help.
Boat owners need to carry boat insurance coverage and be adequately informed about how their policy works. Boaters in Sandy, UT can get boat insurance from Christensen Insurance Group.
The following are four things you shouldn’t assume about boat insurance.
Boat insurance policies are confusing.
A boat insurance policy is not any more confusing than other types of insurance policies like auto insurance and home insurance policies.
You need to read the fine print and understand the coverage you’re getting. You should not be discouraged from purchasing coverage and fully understanding the coverage you purchase because you think boat insurance coverage is too complicated.
You should buy the least expensive policy available.
You want to find the boat insurance policy that provides you with the most value. Getting a few different quotes on boat insurance policies is important. However, that doesn’t mean you should purchase the cheapest available policy.
You should evaluate policy offers and choose a policy that offers you a combination of both competitive prices and complete, reliable coverage.
Boat insurance isn’t necessary because it’s not required by law.
Don’t forego boat insurance because it’s not legally required in your area. If you don’t carry boat insurance, you could be financially devastated if you end up in an accident.
Your boat insurance policy is in effect everywhere.
Boat insurance policies are always limited to certain navigational areas. You aren’t covered in all waters just because you have boat insurance.
If you’re ready to get a quote on a boat insurance policy, you can contact us at Christensen Insurance Group. We insure boat owners in Sandy, UT, so that they can be financially secure while using their watercraft.
Boating is a great way to spend time with your family and friends, but it’s important to make sure you’re covered in case of an accident. Comprehensive boat insurance will give you peace of mind, knowing that your investment is protected from unexpected events like storms and fires. Read on to learn more about why boat insurance in Sandy, UT is so important.
Types of Boat Insurance Coverage
Comprehensive boat insurance covers boats and other watercraft, including motorboats, pontoons, jet skis, and more. It provides financial protection against physical damage caused by accidents or natural disasters such as fire, flood, or hail damage. It also covers theft or vandalism, liability, and medical payments for injuries sustained while on the boat.
Why You Need Boat Insurance
Boat insurance helps protect your vessel in case of an unexpected event and any related costs associated with damages or liability claims. Even if you don’t plan on taking your boat out often, it’s still important to have coverage in case of a disaster. Without comprehensive coverage, you could be held liable for any damages caused by your vessel — even if it wasn’t your fault!
Costs for Boat Insurance Policies
The cost of a comprehensive boat insurance policy depends on several factors such as the size of the boat, its age and value, its use (pleasure or business), where it’s kept when not in use (in a marina or at home) and whether there are additional riders for special items like fishing equipment. The best way to determine how much coverage you need is to speak with an experienced independent agent at Christensen Insurance Group who can help customize a policy that meets your needs and budget.
To find out more about what type of coverage in Sandy, UT, would be right for you, contact Christensen Insurance Group today!
Christensen Insurance Group is an independent agency. For over 30 years, we have helped our clients assess their options and obtain coverage that aligns with their values. We work with multiple carriers across Sandy, UT, and other parts of the state. We take pride in helping our clients obtain the coverage they are looking for.
We look forward to assisting you.
Common Boat Insurance Add-Ons
Boating is a popular hobby in Sandy, UT. The state hosts more than 50 different lakes and rivers. Boating is a fun way to spend time with your friends and family. However, it’s essential to stay safe. Boating accidents sometimes occur with fatal consequences. Boat insurance offers a layer of protection. The policy covers any potential damage to your boat due to a collision with another watercraft or object. You are also covered if your boat is vandalized or stolen. Boat insurance also covers you if your boat suffers damages due to an accidental fire or natural disaster. Liability coverage is another significant part of your policy. This type of coverage protects you if your boat accidentally injures someone or causes property damage. You are also covered if a passenger on your boat gets injured. Boat insurance policies are flexible, so you have the option to add some coverage to your policy.
You can add modified covered if you have any luxury accessories on your boat or if you’ve made upgrades to the engine. If your boat has an enhanced motor, modified coverage protects your boat if it suffers any damage.
Fuel Spill Coverage
Fuel spill coverage protects you from potential litigation if your boat is leaking fuel into the water. You will receive urgent assistance.
Christensen Insurance Group Will Help You Protect Your Assets
Contact our office to learn more information about boat insurance.
Boat owners in the Sandy, UT area rely on the Christensen Insurance Group for their insurance needs. If you are looking to upgrade your current policy because you want more comprehensive coverage, we can help. Our knowledgeable agents can help you review the policies that are available in our area and determine which one is right for your needs.
Why comprehensive boat insurance may be right for you
If you are an avid boat owner, you may wonder which level of protection and coverage is right for your needs. There are many factors to consider when selecting boat insurance. From choosing options such as at-sea towing coverage to protection when transporting your boat to the water, there’s a lot to think about!
If you store your boat in a dry dock during the off-season rather than keeping it in a marina, your insurance needs could be quite different. The same is true when it comes to transporting your boat to the water. If you are trailering your boat to and from the lake, your needs will be different than someone that keeps their boat at the marina.
Levels of protection for damage, theft, and liability are additional considerations. All of these factors can be addressed by selecting a comprehensive policy that provides the type of protection you need. Basic boat insurance may not meet your needs if you want to be protected from the pitfalls that can occur both on and off the water.
Ready to learn more? Call the Christensen Insurance Group today!
If you live in Sandy, UT or the surrounding area and want to learn more about your comprehensive boat insurance options, call or stop by today!
Christensen Insurance Group offers coverage to the Sandy, UT community. For over 50 years, we have helped our clients find coverage that suits their individual needs. We hope to create a family atmosphere so that our clients feel comfortable. We are an independent insurance agency.
The Benefits of Boat Insurance
During warm summers, Sandy, UT is an attractive destination for boating. If you plan to explore Lake Powell, Yuba Lake, and Willard Bay, boat insurance is an asset. Accidents can happen at any time while you are out on the water. You will also have to be aware of the potential natural disasters that can damage boats.
Boat insurance covers any damages to your boat as a result of colliding with another boat or object. You are also covered if your boat is vandalized or stolen. Liability coverage protects you if your boat damages someone else’s property or if a passenger on your boat gets injured. Liability coverage also protects you if your engine malfunctions and some fuel leaks into the water.
Boat insurance also covers all of your personal items on the boat. You are covered if your possessions are stolen or vandalized. If you plan to add special accessories to your boats, such as an anchor, sail, or some other type of equipment, you will have to amend your policy to protect those items. Consider adding emergency assistance so that you will be covered if you need towing service at some point. If your boat suffers severe damage, you can add replacement coverage so that you will be back on the water in another boat as soon as possible.
Christensen Insurance Group Will Help You Protect Your Assets
Visit our website to learn more information about boat insurance.
If you are in the Sandy, UT area, there are many great days during the summer months that make it fun to own a boat. If you do have a boat, you need to make sure that you get it properly insured. There are several situations when someone will want to have insurance for their boat.
When They Want Liability Protection
The first situation when someone will need to have boat insurance is when they want to have liability protection. If you are operating a boat, there is always a chance that there could be an accident that you cause. When this occurs, you will have to pay restitution. If you have boat insurance, you will have coverage to help offset and protect against this risk with liability insurance. This is one of the most important form of insurance you can hold on your vessel.
When they Want Protection for Asset
Another reason why you need to have boat insurance is that it will provide you with protection for your asset. Buying and maintaining a boat comes with a lot of expenses and investments. The last thing that you will want to have happened is to lose this investment due to damage or theft. Fortunately, you can get a boat insurance policy that will give you coverage to protect this asset.
There are many reasons to get boat insurance, and picking the right policy can be confusing. When you are in the Sandy, UT area, and are looking for boat insurance, you should call the team at the Christensen Insurance Group. When you speak with the team at the Christensen Insurance Group, you can be assured that our policies will cover your boat for any situation. We are happy to help you review your boating needs and help you find a policy that provides the right protection.