Living in the picturesque town of Sandy, UT, allows residents many opportunities for outdoor adventures. Learn how to protect your boating adventures from Christensen Insurance Group with five boat insurance solutions. 

Boat Insurance Solutions for Boaters in Sandy, UT

1. Liability Coverage for Boaters

Boating accidents on the water can happen at any time. They can result in thousands of dollars in out-of-pocket expenses for repairs or replacement of vessels and boating accessories. Liability coverage helps protect boat owners from financial damage in the event of at-fault boating collisions. 

2. Comprehensive Boat Insurance 

Invest in a comprehensive boat insurance policy when you’re seeking to protect your floating investment from non-collision-related boating incidents like theft, vandalism, and natural disasters on the water. 

3. Uninsured Boat Insurance Coverage

Even if you are a responsible boat owner with adequate coverage to protect your vessels and watercraft from theft and damage from boating accidents, not all boaters have the same level of comprehensive protection. Talk to a trusted local insurance agent about uninsured or underinsured boat insurance and learn about your best coverage options. 

4. Emergency Towing for Boats

Long-time boaters know that boat breakdowns or unexplained mechanical failures can leave you and your party stranded on the water indefinitely without a backup plan in place. Smart local boaters opt for emergency towing and assistance add-ons for boat insurance to protect themselves against the unexpected. 

5. Medical Payments Coverage

Devastating boating accidents can result in physical injuries to you, your passengers, and other boaters. Contact a licensed insurance agent at Christensen Insurance Group in Sandy UT, to learn about medical payment coverage options for local boaters and get a free quote today! 

Embarking on aquatic adventures brings unparalleled joy, but safeguarding your vessel against unforeseen risks is every boat owner’s responsibility. The Christensen Insurance Group, serving Sandy, UT, and surrounding areas, can provide coverage to ensure you and your boat are safe throughout your journey. 

When selecting the right boat insurance plan, it is important to understand your personal needs and the level of coverage that best suits you. Comprehensive boat insurance offers a wide range of protection, so it’s essential to know what type of coverage is included in your policy and to ensure that all risk aspects are covered.

Comprehensive boat insurance extends a protective shield beyond the ordinary, safeguarding your boat from various hazards. This coverage is your compass through unpredictable waters, from collisions and theft to third-party damages and personal injury liabilities.

Furthermore, comprehensive boat insurance may offer coverage for non-collision-related damages. This includes damage caused by storms, floods, and other natural disasters. It can also cover the cost of repairs due to fire or explosion and medical expenses incurred if someone is injured while on board your vessel. In addition, comprehensive boat insurance may offer coverage for loss of use if repairs cannot be completed.

Boat insurance isn’t just a necessity—it’s a safety net that allows you to confidently embrace your maritime adventures for those navigating the intricate waters of boat insurance in Sandy, UT, and neighboring areas. Securing reliable coverage is crucial. Consider Christensen Insurance Group as your trusted ally in safeguarding your vessel. Tailored comprehensive boat insurance solutions are designed to offer you peace of mind as you navigate the vast expanse of the maritime world.

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.

Modified Coverage

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.