Compare Boat Insurance for Moab & Nearby Waters
From river rafts and fishing boats to small powerboats and PWCs, we build policies for the Colorado River, Lake Powell, and nearby reservoirs, including trips through Canyonlands and Arches National Park areas.
Why Boat Insurance Matters Here
Local waterways feature rapids, desert conditions, and remote areas. A modern boat policy bundles hull (your boat), liability (bodily injury & property damage you cause), medical payments, and options like on-water towing, fuel-spill liability, salvage & wreck removal, and fishing gear/personal effects. If you trailer, we’ll also address trailer coverage and where auto liability responds during over-the-road incidents.
Heading to Lake Powell or down the Colorado River? We’ll set navigation limits that match your plans and talk through seasonal lay-up periods, storm plans, and launch site requirements.
Build the Right Boat Policy
Hull & Valuation
- Agreed Value for total losses (no depreciation) or ACV for lower premiums
- Partial loss settlement on OEM parts where available
- Coverage for machinery/underwater gear (lower units, props, shafts) per form
Liability & People
- Watercraft liability to satisfy launch site requirements
- Medical payments for you/guests aboard
- Uninsured/underinsured boater (where offered)
Situational Add-Ons
- On-water towing/assistance and soft-ungrounding
- Salvage & wreck removal with separate limits
- Fuel spill liability and pollution coverage
- Fishing equipment & personal effects (scheduled limits)
- Trailer, tender/dinghy, electronics
Navigation, Storage & Storms
- Inland/Colorado River/Lake Powell navigation territories set to your cruising plan
- Lay-up/dry storage terms matched to your seasonal habits
- Storm plan & haul-out reimbursement where available
Utah Boating Basics (What to Know)
Registration & Title
Most boats and PWCs operating on Utah waters must be registered with the Utah DNR, and some may require titling. Keep registration aboard whenever under way.
Boating Safety Certificate
Most powerboat/PWC operators need a Boating Education Certificate issued via Utah DNR-approved courses. Carry your card while operating.
Local Planning
Check river levels (e.g., USGS Colorado River gauges), weather, and access points before you cast off. Launch sites commonly require proof of insurance.
Tip: If your boat is financed or you use a launch site, expect minimum liability limits and “proof of insurance” (COI). We’ll provide certificates at binding and renewal.
Where Moab Boaters Go (and How We Insure It)
Many owners launch near the Colorado River and head to Lake Powell, Cataract Canyon, or local reservoirs. We coordinate navigation limits, towing zones, and storm plans with your storage—whether you keep the boat at a Moab ramp or trailer to remote areas.
Our Process for Moab Boaters
- Vessel Snapshot — year/make/model, HIN, propulsion, electronics, trailer, storage/launch site.
- Usage & Territory — river vs. lake, seasonal lay-up, towing zones, storm plan.
- Coverage Fit — hull valuation (agreed vs. ACV), liability limits, towing, salvage, fuel spill, gear.
- Compliance — confirm registration, safety certificate, and launch site COI requirements.
- Bind & Proof — issue ID cards and certificates for your storage or lender.
We Serve Every Moab Boater
Moab, Spanish Valley, Arches area, and nearby launches in Canyonlands, along the Colorado River, and to Lake Powell access points.
Local Resources
Why Choose Insurox?
- Access to 150+ insurance carriers
- Specialized boat insurance advisors
- Fast online quotes
- No hidden fees or surprises
- Local expertise in Moab, UT
Get a Fast Boat Insurance Quote
Tell us about your boat, storage, navigation, and launch site. We’ll size liability, choose agreed value vs. ACV, and add towing, salvage, and fuel spill coverage as needed.
Get Your Boat Insurance Quote in Moab
Prefer to talk? Call or text: 833-586-3264.
