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Oklahoma City, OK 73149

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What to Know As a First-Time Boat Insurance Buyer in Oklahoma City

When you think about boating, Oklahoma City, OK, probably isn’t the first place that comes to mind. However, there are many places to enjoy the water, even in this landlocked state! If you’re considering buying a boat, you’ll need to consider boat insurance. So, what do you need to know about purchasing boat insurance for the first time in Oklahoma City?

Keep It Separate From Your Home Insurance

Many home insurance policies offer boat coverage since they’re typically stored on your private property. However, getting a separate boat policy is usually a good idea. That’s because these specialized policies offer more coverage for marine-related risks and a wider range of waterways, which most home insurance policies do not include.

Boat Insurance Can Get Complicated

Researching boat insurance can be overwhelming due to the wide variety of policies. These policies vary drastically depending on your boat type, whether it’s Coast Guard-certified, where you plan to use it, and many other factors. The good news is that an insurance professional can guide you through the process, ensuring you get the best coverage for your needs.

Some Factors Can Decrease Your Premium

If you’re concerned about high insurance premiums, don’t worry. A certified insurance agent can help you identify factors that can reduce your premium. Planning to store your boat in a facility over winter? Or only want to sail in fresh water? These and other factors can decrease your rates and save you some money.

Start With S & S Insurance Services Inc.

S & S Insurance Services Inc. proudly serves the Oklahoma City, OK, area with various insurance policies. Contact us today to schedule an appointment!

What You Should Know About Boat Wreckage Removal

No one wants to think about their vessel sinking, but things happen. Accidents, boats running afloat, and damage due to severe storms. It is the legal responsibility of owners to clear away the boat and any debris in accordance with policy. Here’s what our team at S & S Insurance Services, Inc. in Oklahoma City, OK, wants you to know.

Initial Planning and Assessment

Step one in removing a wrecked boat is to assess the damage and develop a plan, which will likely require the services of a professional. They evaluate the damage, assess the possible environmental impact of the process, and make a plan that avoids as many risks as possible.

Preparation for Removal

With a plan, the salvage or removal company can prepare for the removal. This could involve stabilizing the wreckage to prevent further damage, removing hazardous materials and fluids, and getting the site ready for the arrival of equipment to get the job done.

Removal and Environmental Cleanup

It’s time for the actual removal of the vessel, and the method varies depending on the size and location of the vessel. Sometimes, the boat can be refloated and towed away, while it may be necessary to cut it up and remove it in pieces. If environmental cleanup is needed, it will be handled after removal.

Final Assessment and Closeout

A final assessment must be performed to ensure the work has been done safely. A closeout report is required indicating its removal and that the outcomes were satisfactory to all parties involved.

Get Your Boat Covered With the Right Insurance

At S & S Insurance Services Inc. in Oklahoma City, OK, we offer affordable boat insurance that covers you on the water and in incidents when wreckage removal is necessary. Contact us today for a quote.

Common Boat Insurance Myths To Watch Out For

S & S Insurance Services Inc. serves the Oklahoma City, OK community and the surrounding areas. We are committed to helping our clients find the policies they need to protect their assets. We are an independent insurance agency. We work closely with multiple carriers. This enables us to provide flexible coverage options.

Common Boat Insurance Myths

The warm weather in Oklahoma City, OK provides ample opportunities for local residents to head out on the lake in their boats. If you are a boat enthusiast, consider adding boat insurance. Boat insurance covers one of your most prized possessions. The policy provides protection if your boat is damaged in a collision or vandalized. You are also covered if you are a victim of theft. Liability coverage protects you if your boat is responsible for causing property damage or injuring someone. You’re also covered if a guest on your boat suffers an injury. All of your personal items on the boat are covered in the event that they are damaged or stolen. While looking over your boat insurance policy, pay attention to these myths.

I Don’t Need Coverage

Many people assume that their boat is covered through their home insurance policies. This is incorrect. If you want to stay protected while you’re out on the water, you need to obtain a specific boat insurance policy.

I’m Protected Anywhere

Your boat insurance policy will likely include navigational limits. These navigational limits outline the places where you are allowed to operate your boat while maintaining coverage.  Avoid operating your boat in an unprotected area.

Have Questions? Consult With Us

S & S Insurance Services Inc. is here to help you cover your assets. Schedule a consultation with us today! 

Why All Boaters Need Boat Insurance

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. 

Do I Need Boat Insurance for My Small Boat?

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. 

Does Boat Insurance Protect Your Vessel From Sinking in Bad Weather?

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.

How to Protect Your Boat From the Weather: 3 Easy Ways

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.

5 Times You’ll Be Glad You Have Boat Insurance

Boating is a great way to relax and enjoy the outdoors, but it’s important to remember that boats can also be very expensive. That’s why boat insurance is vital for any boat owner. Boat insurance can protect you financially if your boat is damaged or stolen and can also provide liability coverage if you accidentally injure someone while operating your boat. S & S Insurance Services Inc. in Oklahoma City, OK can offer expert insurance advice.

Here are five times that you’ll be glad you have boat insurance:

1. When You Are in a Boating Accident

No one wants to think about being in a boating accident, but it’s important to be prepared for the worst. If you don’t have boat insurance and are involved in an accident, you could be responsible for paying for all the damages out of your pocket. This could cost you thousands of dollars, so it’s important to ensure you’re properly protected.

2. When Your Boat Is Damaged in a Storm

Bad weather is often unpredictable. If your boat is damaged in a storm, you could be left with a hefty repair bill. Boat insurance can help pay for the repairs if your boat is damaged in a storm, so you won’t have to worry about the financial burden.

3. When Your Boat Is Stolen

Unfortunately, boat theft is a real problem. If your boat is stolen, you could be left facing a very expensive replacement cost. Boat insurance can help pay for a new boat if yours is stolen, so you won’t have to worry about the financial burden.

4. When You Damage Someone Else’s Property

Accidents can still happen even if you’re a safe and experienced boater. If you accidentally damage someone else’s property while operating your boat, you could be held liable for the damages. But if you have boat insurance, your insurer will typically cover the cost of the damages up to your policy limit. This can help protect your finances in the event of an accident.

5. In Case of a Boat Fire

No one ever wants to think about their boat catching on fire, but it’s important to be prepared for the worst. If your boat is destroyed in a fire, you could be left with a significant financial loss. Boat insurance can help reimburse you for the value of your boat so you can replace it without worrying about the cost.

Give Us A Call

Boat insurance is a vital piece of protection for any boat owner. If you don’t have boat insurance, you could be left facing a huge financial burden if your boat is damaged or stolen. If you are looking for boat insurance, S & S Insurance Services Inc. in Oklahoma City, OK can help. We offer a wide range of boat insurance policies to fit your needs, so you can rest assured knowing you’re properly protected. Contact us today to get started.

Instances When Boat Insurance Won’t Cover You

If you purchase a boat insurance policy from S & S Insurance Services Inc. in Oklahoma City, OK, it covers your boat against damage and protects you from liabilities and other risks. However, you need to know that your boat doesn’t cover you against all risks you encounter during your boat ownership.

Here are some common boat insurance exclusions:

Wear and tear

Like your standard auto insurance, boat insurance doesn’t cover the normal wear and tear of your boat. Because your boat will eventually wear down, this isn’t considered a risk by insurers. The good news is that proper maintenance of your boat may slow down the degradation of your vessel.

Mold and pest infestation

If your boat is destroyed by mold or pests, don’t file a claim with your insurance because it’s likely to be ignored. Your insurer expects you to maintain your boat properly to keep mold and pests away from your asset. Consider extermination services to eradicate pests. Also, keeping your boat dry can eliminate mold infestation.

Marine life

Most boat insurance policies don’t cover damage by marine life, including sharks, whales, and octopi. If you like boating in waters infested with unruly creatures, you need to ask your insurer for an add-on.

Faulty equipment

Standard boat insurance doesn’t cover failing parts or those due for replacement. However, if the parts are damaged in an accident or by a risk stated in your policy, your boat insurance should compensate you for the loss.


Your boat insurance is unlikely to cover custom equipment unless it’s stated in your policy. For instance, safety jackets, GPS navigation, and boat modifications are unlikely to be covered by your boat insurance.

Give Us A Call

Need to learn more about insurance in Oklahoma City, OK? Get in touch with S & S Insurance Services Inc. for more information.

Protect your boat with a comprehensive policy

S & S Insurance Services Inc. is here for all the boat owners in the greater Oklahoma City, OK area. If you want to make sure that your vessel has the protection it needs, give us a call today! We have boat policy options that provide the coverage you need.

Benefits of comprehensive boat insurance policies

  • Liability coverage – if you are ever involved in an accident that causes damage or injuries, you’ll want to have adequate liability coverage. Without this protection, you may be personally and financially responsible for any losses or damages.
  • Protection in and out of the water – your boat may not always be in the water. You may store it at your home or at another dry dock location, or you may keep it out of the water during the winter months. Be sure your boat is covered, no matter where it may be located.
  • Added features – if you want to have the peace of mind that comes with knowing you’re protected, a comprehensive policy is worth looking into. They can provide added features and benefits such as coverage for towing services. This coverage will come in handy if you are ever stuck out on the water!

Is now the time for you to upgrade your boat policy? It always makes sense to review your options when deciding which policy is right for your needs and situations. Find out more about the many benefits of a comprehensive boat insurance policy today. You’ll be glad you did!

Don’t wait, give us a call today

Now is the perfect time to schedule a consultation with S & S Insurance Services Inc. We can help you review your options for protecting a boat in the Oklahoma City, OK area. Call today!


Partner Carriers

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