UL doesn't always mean 100% safe. A lot of the equipment, even recognized brands, are not UL listed. To be UL listed for use in saltwater applications products have to meet special requirements for use in saltwater environments and if I recall correctly one of them is being splashed with saltwater without major consequences.
Some products are UL listed on their power supply but most likely those power supplies might have received the UL stamp for use in dry applications. You will also find aquarium products that received the UL stamp for use in freshwater aquariums.
With this information insurances can get finicky and not cover loses.
I think buying from reputable manufacturers that follow American quality standards is a good advice but the UL listing is not always there or not there for the application where we use them. Buying products straight from china usually means buying lower quality so it also advisable to do your homework and take preventative measurements such as using GFCI outlets.