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S & S Insurance Services, Inc.

210 SE 89th Street
Oklahoma City, OK 73149

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S & S Insurance Services, Inc. Blog

What Does Boat Insurance Cover?

Maintaining boat insurance is part of being a responsible boat owner. While it isn’t required by law in Oklahoma City, Ok, it’s strongly recommended all boaters have insurance. S & S Insurance Services, Inc. provides boat insurance policies so you can enjoy carefree days on the water. 

Liability And Medical Payments Boat Insurance

Boat insurance covers motorized boats, sailboats, and personal watercraft. Liability insurance will cover the expenses if you damage another person’s property or another party is injured in an accident. It can also cover wreck removal if your boat sinks. This includes structures like boat docks and other boats. Medical coverage will cover the expenses if someone on your boat is injured. 

Property Coverage

Property coverage isn’t just for the water. It also protects your boat when it’s on land. It can be tempting to cancel or pause your coverage during the offseason, but if your boat is damaged in storage, a boat policy will cover the damages. Besides the boat itself, special equipment and accessories are usually covered.  

There are three ways to value your boat. The actual cash value is the current value of your boat. This takes depreciation into consideration. Replacement coverage is the amount it would cost to replace your boat with a similar model. Agreed upon value means you and the insurer agree on a value for the boat. 

Other Coverage Types

Uninsured watercraft coverage will pay for damages to your vessel if the person at fault in the accident doesn’t have insurance. Mechanical failure coverage provides coverage for mechanical failures. It can pay for repairs and towing your boat if it breaks down. 

If you own a boat or a personal watercraft, it’s important to have the right insurance coverage. Protect your investment and your finances by contacting S & S Insurance Services, Inc. in Oklahoma City, Ok. 

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