RV & Boat Insurance in Utah for Life on the Road and Water

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Do You Need Insurance for an RV or Boat in Utah?

Recreational vehicles and watercraft need specialized insurance that standard auto or home policies usually don’t provide. Motorhomes are driven on public roads and require coverage similar to cars, while trailers, campers, and boats need protection for damage, theft, and liability.



At B&B Insurance, we help Utah families protect their RVs and boats—whether you’re taking weekend trips, long road adventures, or enjoying lake days during the summer.

RV Insurance: Protection for Your Home on Wheels

RVs combine transportation and living space, which means coverage needs to do more than a typical auto policy.


RV insurance can include:


  • Liability Coverage
    Required for drivable RVs, covering injuries or property damage you cause on the road.


  • Collision & Comprehensive Coverage
    Pays for damage to your RV from accidents, theft, vandalism, hail, or weather.


  • Personal Property Coverage
    Protects belongings inside your RV—clothes, electronics, and gear.


  • Vacation Liability
    Covers you when your RV is parked and used as a temporary residence.



  • Roadside Assistance
    Helps with towing, breakdowns, and emergencies while traveling.

If your RV is financed, insurance is usually required by the lender. We’ll make sure your policy meets those requirements and fits how you travel.

Boat & Watercraft Insurance: Smart Protection on Utah Waters

Utah doesn’t require boat insurance by law, but it’s strongly recommended—and often required by marinas or lenders. Homeowners policies usually don’t cover boats beyond very small limits.


Boat insurance can include:



  • Liability Coverage
    Protects you if someone is injured or property is damaged while operating your boat.

  • Hull & Physical Damage Coverage
    Covers repairs or replacement after accidents, storms, or theft.

  • Equipment & Trailer Coverage
    Protects motors, fishing gear, trailers, and onboard equipment.

  • Personal Watercraft Coverage
    For Jet Skis and similar watercraft commonly used on Utah lakes.

We help insure boats used across Utah—from family fishing boats to personal watercraft—so you can enjoy the water without worry.

Important Coverage Gaps to Know About

Many owners are surprised by what isn’t covered automatically:

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Auto insurance may cover liability while towing, but not damage to your trailer or camper.

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Home insurance usually doesn’t cover boats, theft, or on-water liability.

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RV contents and vacation liability often require RV-specific coverage.

We’ll explain these details clearly and help close the gaps so you’re not caught off guard.

Seasonal Coverage and Ways to Save

RV & Boat Insurance Questions, Answered

  • Do you need insurance on an RV in Utah?

    Yes, motorhomes driven on public roads require insurance. Trailers and campers also need coverage for damage and theft.

  • Does my car insurance cover my RV or trailer?

    Usually no. Auto insurance may extend liability while towing, but it won’t cover damage to the RV or trailer itself.

  • How much is boat insurance in Utah?

    Costs depend on the type of boat, usage, and coverage, but many policies are very affordable compared to potential losses.

  • What insurance do I need for a travel trailer?

    Travel trailers need coverage for physical damage, theft, and liability exposures not handled by auto or home policies.

Protect Your Adventures With Local Guidance

From road trips to camping weekends and summer lake days, your RV or boat should be protected by coverage that understands how you use it. Families across Riverton, Herriman, South Jordan, and Bluffdale trust B&B Insurance for clear advice, flexible options, and personal service.