Boat Insurance in St. George, Utah
Boat and watercraft insurance for Southern Utah lakes — Sand Hollow, Quail Creek, and Lake Powell. Ski boats, wakeboats, jet skis.
Boat Insurance built for Southern Utah
All watercraft types
Ski and wakeboats, bass and fishing boats, pontoons, jet skis, and sailboats — we write them all.
Agreed value coverage
Lock in your boat's value upfront so a total loss pays what you actually agreed to — not a depreciated check.
On-water towing
Roadside-style towing on the lake when the engine quits at the far end of Sand Hollow.
Trailer & gear
Your trailer, wakeboards, skis, fishing electronics, and tubes covered on and off the water.
Liability for guests
Real liability limits for the friends and family you take out — including injuries and damage to other boats.
Lake Powell endorsements
Extended navigation and houseboat coverage for the kind of weeks Southern Utahns actually spend on Powell.
What you actually need to know about boat coverage
A boat is not a car and your auto policy will not cover it on the water. Standard homeowners policies only extend a tiny amount of coverage to small boats and almost never to anything with real horsepower. A dedicated boat policy is the only way to get proper hull, liability, and medical coverage for the kind of wake and ski boats most Southern Utah families actually own.
Agreed value is the single most important feature to understand. With agreed value, you and the carrier settle on what your boat is worth at the start of the policy — and that is exactly what gets paid if it's a total loss. Actual cash value policies are cheaper but pay depreciated value, which on a newer wakeboat can be a five-figure swing at exactly the wrong moment.
If you tow to Lake Powell, double-check navigational limits. Some carriers cap inland coverage in ways that quietly exclude long Powell trips or extended overnight stays. We specifically match Southern Utah boaters with carriers whose navigation language fits how people actually use Powell, Sand Hollow, and Quail Creek.
The Southern Utah details that change which policy fits
Southern Utah's lakes each have their own quirks, and a generic boat policy written for a Midwest pond won't line up. Sand Hollow draws heavy wake-boat and ski traffic with crowded ramps and frequent prop strikes in the shallows. Quail Creek runs colder and deeper, with more fishing and pontoon use. Gunlock fluctuates dramatically with the runoff. Lake Powell is its own world — extended overnight trips, houseboats, and 100+ miles of navigable water that some inland marine policies quietly cap. Carrier selection is the difference between a smooth claim and a denial.
Liability is the place most Southern Utah boat owners are dangerously underinsured. State minimums don't apply (Utah doesn't require boat insurance at all), so plenty of policies get sold with $100K of liability — which evaporates the moment someone gets hurt in a tow-sport accident or a multi-boat collision. We default to $300K–$500K liability for wake boats and ski boats and add an umbrella when the rest of the household exposure justifies it. The premium difference is usually under $100 a year.
Wake-sport coverage is its own gotcha. Some carriers exclude or sub-limit injuries to skiers, wakeboarders, tubers, and surfers being towed — exactly the people most likely to get hurt. We specifically place wake-boat clients with carriers whose tow-sport medical and liability language is broad, and we walk through guest passenger limits before binding so a friend's broken ankle behind your boat doesn't become a coverage fight.
Trailer coverage is the other commonly missed piece. Your auto policy generally covers the trailer for liability while attached and being towed, but it does NOT cover physical damage to the trailer itself. A trailer that gets sideswiped at a I-15 rest stop on the way to Powell is your problem unless the boat policy schedules it. We add trailer physical damage by default for any trailer worth more than a few thousand dollars.
Personal watercraft (jet skis, Sea-Doos, WaveRunners) get their own policy in almost every case. They're treated as a separate risk class with different rating, mandatory operator-age rules, and unique liability exposure — kids and rentals are the two biggest claim drivers. If your family has both a boat and PWCs, we package them with the same carrier for a multi-watercraft discount where available.
Generic boat policy vs. how we write Southern Utah boat coverage
| Coverage piece | Typical online policy | OnPoint Southern Utah build |
|---|---|---|
| Hull value at total loss | Actual cash value (depreciated) | Agreed value locked at policy start |
| Liability limit | $50K – $100K default | $300K – $500K standard, umbrella eligible |
| Tow-sport injury coverage | Sub-limited or excluded | Carrier vetted for broad tow-sport language |
| Lake Powell navigation | Often capped at inland limits | Powell, overnight, and houseboat-friendly carriers |
| Aftermarket gear (tower, stereo, wraps) | $1K – $3K base cap | Itemized and scheduled to real value |
| Trailer physical damage | Not included by default | Added by default on trailers worth >$3K |
| On-water towing | Add-on or excluded | Included up to meaningful per-occurrence limit |
| Off-season storage discount | Rarely applied | Applied automatically where eligible |
Coverage examples shown are illustrative and for general comparison only. Actual policy terms, limits, endorsements, discounts, and availability vary by carrier, eligibility, and underwriting. Nothing on this page is a quote, binder, or guarantee of coverage. Contact an OnPoint agent for a personalized review.
Scenarios we've actually handled
Prop strike at Sand Hollow
A St. George client clipped a submerged ledge on the south end of Sand Hollow in late summer when water levels were down. Lower-unit damage ran $7,400. Their agreed-value policy with a $500 collision deductible cut a check for $6,900 inside two weeks. The boat was back on the water before Labor Day.
Wakeboarder injury behind a Hurricane client's boat
A guest wakeboarder caught an edge and tore an ACL on a tow line that day. Medical bills exceeded $40K. The client's policy carried $300K of tow-sport-inclusive liability plus $10K MedPay — the entire claim was paid without the client touching a dollar. A bare-minimum policy would have left them personally exposed.
Trailer stolen from a Washington Fields driveway
Aluminum trailers are a theft target across Washington County. A client's trailer disappeared overnight off a side yard. Auto policy denied the claim (trailer wasn't attached). The scheduled boat policy paid out $4,200 for the trailer at replacement cost — exactly the gap we routinely warn boat owners about.
Coverage that fits the way you actually live here
We insure boats up and down Southern Utah — Sand Hollow, Quail Creek, Gunlock, Lake Powell, and the trailers that get them there. Whether it's a center-console fishing rig in Hurricane or a 24-foot wake boat in Washington Fields, we'll match it with a carrier that understands lake life here.
Mon–Fri 9:00 AM – 5:00 PM · St. George, UT
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Boat Insurance across Southern Utah
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