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If you’re the owner of a boat, it’s important to do what you can to protect yourself and your craft. One way to do this is to get boat insurance. Boat insurance works in much the same way that auto insurance does. There are different types of coverage that are inside a boat insurance policy. It’s not required in Maryland that you have boat insurance, but it’s never a good idea to go without it when you own a boat. It’s an important way to protect yourself financially. When you need a boat policy, call us at S & S Insurance Services Inc. in Oklahoma City, OK.

Liability Coverage for Boats

The minimum coverage that you should have to protect yourself is liability coverage. This can pay for any of the medical bills or other damages that happen as a result of a boating accident that you cause. When you’re at fault for the accident, you’re liable for the other party’s medical costs as well as their property damage. Getting coverage for property damage liability and bodily injury liability will protect you financially from those costs. If you didn’t have this insurance, it could cost you thousands to pay for all of the damages caused. 

Other Boat Coverage

If you also want to cover your own boat against damages, you will need to have collision coverage. This pays for your own damages if you cause a boating accident. You might also want to add comprehensive coverage to your policy. This covers incidents that can happen to your boat when it’s not on the water.

Reach Out To Us

When you need a boat policy to protect yourself, don’t wait. Get started on a new boat policy by giving us a call at S & S Insurance Services Inc. in Oklahoma City, OK. 

If you own a small boat, a separate boat insurance policy is a must. Your homeowner’s insurance may cover physical damage to your rowboat or kayak. However, it may not cover injuries to other people or damage to someone else’s boat. S & S Insurance Services Inc. in Oklahoma City, OK can help you choose boat insurance coverage for your small craft.

Boat Insurance vs Homeowners Insurance 

Boat insurance is a wise investment for your small boat — even if it’s a stand-up paddleboard. Your homeowners or renters insurance may cover up to $1500 in physical damage to your boat. Liability coverage, however, is often limited to the size and horsepower of the boat and may not provide enough coverage for damage to another boat or injuries to other people.

On the other hand, boat insurance typically provides liability coverage for a collision with another watercraft, as well as injuries to other people. Accidents happen, and your small boat may cause multiple injuries and damage to a larger boat. Boat insurance, therefore, offers important protection if you own a small boat.

Choosing an Insurance Policy for a Small Boat

When you select your boat insurance policy, you can choose either actual cash value or total replacement cost coverage. Cash value is based on the market value minus depreciation of your small boat. Total loss is based on the cost of replacing your small boat at the current price. Keep in mind that small boat insurance coverage depends on the size, value, and age of the boat. 

Get In Touch

At S & S Insurance Services Inc. in Oklahoma City, OK, our licensed agents understand the importance of insuring your small boat. We’re here to answer your questions about boat insurance policies. Contact us today for a free quote. 

Boat insurance is a valuable tool for helping protect your investment. Boats are subject to various risks on and off the water. Boat Insurance can help protect owners against losses and other covered events. To find out more about boat insurance policies that meet your needs, you can reach out to our experts at S & S Insurance Services Inc., serving the residence center around the Oklahoma City, OK area. 

Boat Insurance Coverage

One of the many benefits of boat insurance involves protecting you from losses resulting in your vessel sinking due to unforeseeable conditions such as bad weather. Anyone with a boat should consider getting insurance coverage to protect themselves from liability and loss. To understand more about what type of coverage best suits your needs, consult with one of our helpful insurance agents, who can provide in-depth details and cover policy terms and conditions.

Each agent strives to provide exceptional customer service by carefully assessing their situations and providing guidance when selecting insurance policies. They can also assist with the submission of documentation and personal information to obtain coverage quickly. Our agents are dedicated to assisting their customers before, during, and after the policy purchase.

Give Us A Call

Anyone interested in finding out more about boat insurance coverage or discovering quality policy options can reach out to S & S Insurance Services Inc, serving the residents in and around the Oklahoma City, OK area. Call or stop by the office to schedule a consultation and get answers to questions or professional suggestions to help ensure you get the peace of mind that comes with having reliable boat insurance protection. Enjoy your time on the water knowing you’re covered against various risks.

Here in Oklahoma City, OK, we know just how treacherous the weather can be. But while we’re used to prepping our houses to take on the elements, many boat owners need to realize that their boats are just as vulnerable to the elements as their homes. As avid boaters ourselves, S & S Insurance Services Inc. is here to help you protect your vessel year-round.

3 Tips to Protect Your Boat 

Use A Boat Cover

One of the most important reasons to use a boat cover is to protect your investment. A boat left without a cover, while not in use, will lose value very rapidly. Not only will the rain damage a boat’s interior, but leaving it without a cover exposes it to the sun’s harmful rays. Boat covers are also designed to help protect from falling sticks, animals, snow, and other dangers.

Wax Regularly

Waxing your boat regularly is essential for maintaining the gel coat finish’s color, shine, and integrity. Marine waxes are durable and stand up to salt water, algae, and the sun. Boat wax also makes regular cleaning more manageable and can make it harder for grime to stick to waxed surfaces. Waxing your boat at least twice a year is essential for preventing fading, chalking, or hazing from constant sun exposure.

Winterize The Engine

If you don’t winterize your boat’s engine, the water in it will freeze and expand. This can cause cracks in the engine or the fittings. Additionally, the fuel system can break down, and the battery may not work correctly. The cost of not winterizing your boat far outweighs the cost of making it a priority.

Get Boat Insurance Today

If you’re looking for quality boat insurance in the greater Oklahoma City, OK community, look no further than S & S Insurance Services Inc. We’re a quality provider of boat insurance in the state and are here to help you get the coverage you need at a price you can afford.