Skip to content

918-789-3848 or 918–254–1725

Boat/Watercraft Insurance

Whether it's a small fishing boat or a large pontoon, your watercraft is an integral part of your recreational lifestyle. For Oklahoma residents, InsureBoss offers boat and watercraft insurance policies customized to suit your personal needs and preferences. These policies are designed to protect your investment and ensure that the good times never have to end.

What Does Boat and Watercraft Insurance Do?

Oklahoma does not require boat and watercraft owners to carry an active policy for their vessels. However, having an active policy is the most intelligent way to ensure your financial interests are protected.

While each contract may vary, the typical boat and watercraft policy covers:

  • Medical or funeral expenses for you and your passengers related to a covered event.
  • Liability coverage to pay for property damage, loss of income, medical bills, or funeral costs for other people involved in an accident.
  • Payment for damages caused by another watercraft owner who does not have adequate insurance to pay your claims.
  • Funds to defray the costs of emergency services like towing or delivery of gas.
  • The loss or damage of personal effects onboard during a covered event.
  • Your personal equipment, including fishing gear, clothing, and cooking equipment.

In addition, your coverage can be expanded to include boat equipment like safety jackets and anchors. You can also have coverage for your boat trailer itself. Talk to a trusted agent to learn all the ways your boat and watercraft coverage can keep unforeseen accidents from ruining your leisure time.

What You Need to Know About Boat and Watercraft Insurance

As mentioned previously, each policy can vary widely in its coverage and limits. Here are some things you will want to discuss with your insurance agent to ensure you get exactly what you need.

  • What about deductibles? Many people assume that a higher deductible means lower premiums. However, trying to save a few dollars could put you in a challenging situation if you find yourself in a catastrophic accident. Talk to your agent to ensure you choose a deductible that is comfortable for your long-term financial health.
  • Is your boat customized? High-end or custom work done on your boat may change its value. Have your agent go over your watercraft with you. You may need extended coverage to ensure your equipment is covered for its full value.
  • Only use your boat during certain seasons? Your equipment still needs protection, even when it's in a dry dock. Your agent can help you find the appropriate coverage for all seasons of the year.

Route 66 Insurance, Your Oklahoma Insurance Partner

Find the personalized coverage you need with the respectful service you want at InsureBoss, LLC. Contact our agents now for more information on boat and watercraft insurance.