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210 SE 89th Street
Oklahoma City, OK 73149

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Important Boat Insurance Facts

S & S Insurance Services Inc. serves the Oklahoma City, OK community. We are an independent insurance agency. We strive to make sure that our clients are protected in any situation. We sit down with our clients to assess their needs. We have working relationships with multiple carriers throughout Oklahoma. This allows us to offer flexible policies.

Important Boat Insurance Facts

During the summer in Oklahoma City, OK, many residents enjoy their boats on the water and having fun. Operating a watercraft is more dangerous than you realize. Consider the benefits of boat insurance. Boat insurance covers you if you are involved in an accident while at sea. Liability coverage protects you if you are held responsible for any damages that occur. You are also covered if a passenger on your boat is injured. Boat insurance also covers you if the watercraft is vandalized or damaged due to inclement weather. Here are some other boat insurance facts to consider while searching for coverage.

Navigational Limits

Your boat insurance policy will include navigational limits. Navigational limits outline the area where you can operate your boat and still maintain coverage. If you operate your boat outside the navigational limits, you may not be protected if your boat suffers damages.

Extra Coverage

You can amend your policy to add extra coverage. This protects your boat in unique situations. If you’re having engine troubles, you can receive urgent assistance. Perhaps you plan to customize your boat or add an anchor. You can add another layer of protection to cover you if those items are damaged.

S & S Insurance Services Inc. Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.  

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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