Boat Insurance

A boat is a big investment, and your homeowners policy usually offers very little coverage for it. Boat insurance protects the boat, the trailer and your liability when you’re on the water. Do Right Insurance compares 15+ carriers to find coverage that fits your boat and how you use it.

What boat insurance covers

• Physical damage: damage to your boat and motor from a collision, storm, fire or theft
• Liability: injuries and property damage you cause to others on the water
• Medical payments for passengers hurt on your boat
• Trailer: coverage for the trailer you tow it on
• Equipment and personal items: fishing gear, skis, wakeboards and more
• Towing and on-water assistance, when included in your policy

Agreed value or actual cash value?

Some policies pay an agreed value you set up front. Others pay actual cash value, which subtracts for age and wear. The difference matters most when a boat is totaled, so it’s worth understanding before you choose.

Tell us where you boat

Boat policies set the waters where you’re covered. Whether you boat on Utah lakes, Lake Powell or farther away, tell us so your policy fits.

What affects your price

• The boat’s type, size, age and value, and its motor
• Where you use it and where it’s stored
• Your boating experience and claims history
• The coverage limits and deductible you choose

Common questions

Does my homeowners policy cover my boat?

Usually only a small amount, if anything. Don’t count on it.

What about jet skis?

We can cover personal watercraft too.

Get a boat insurance quote

Call 801-352-7100 or request a quote online.