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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.

Having a homeowner’s policy may not be enough to protect you financially if you don’t have enough homeowner’s insurance. There are several factors you should consider to determine whether you have enough homeowner’s insurance. S&S Insurance Services Inc. works hard to provide Oklahoma City, OK residents with the right homeowner’s policies.

Costs of Rebuilding

If you have made significant renovations or upgrades to your home, you may need more insurance coverage. If your home’s value has gone up, you must be sure that your coverage limits reflect this. Rising property values can also raise the value of your home significantly.

Ideally, it would help if you were sure you have enough coverage to replace or rebuild your home. Increasing property values mean that replacing your home will be more expensive as well. If you’ve made renovations, then you’ll need enough coverage to purchase a home of equal value and quality.

Contents Coverage

If you have recently acquired top end items, you may need a rider for your policy to provide adequate coverage. Policies place coverage limits on your personal property as a whole and also on individual items. If you’ve purchased antiques, jewelry, or art, speak with your agent to see if your policy adequately covers them. It’s also wise to add up the value of everything in your home. If it’s more than your current coverage limit, consider increasing your limit.

Liability Coverage

Liability coverage is often an afterthought for homeowners, but it’s just as important as dwelling coverage. If someone is injured on your property, you could be liable for the damages. Swimming pools and pets can increase your liability risk, and a standard policy doesn’t cover some breeds of dogs. It’s important to know your liability risk and be sure you have enough liability coverage.

At S & S Insurance Services Inc. in Oklahoma City, Ok, our agents take the time to discuss your circumstances and help you decide how much homeowner’s insurance you need. Contact us today so you can enjoy your home knowing that you are protected from potential disasters.