Boat/Watercraft Insurance in Oklahoma

Owning a boat within Tulsa, OK comes with its unique set of challenges, with the risks typically falling outside of the coverage of other policies. If you love taking your loved ones out on boating excursions within Oklahoma, boat/watercraft insurance will be ideal for covering unexpected disasters. Alan Farley Insurance LLC tackles the different boat insurance options to be on the lookout for.

Liability Coverage

If you accidentally injure another person while on your boat, liability coverage will kick in to pay the hospital bills. This policy will also cover damage to 3rd party property, helping you cover the repair costs for the items in question. If the aggrieved party also sues you for injury or damage claims, this coverage will help pay your legal fees and damages arising from the court proceedings.

Towing and Assistance Coverage

You may occasionally need help towing your boat when encountering unexpected emergencies, increasing your out-of-pocket expenses. Towing coverage will help offset costs incurred in towing your watercraft back to your preferred destination. This policy will be your go-to if you incur fuelling costs and need mechanical help during your trips.

Personal Property Coverage

Personal property coverage protects your belongings when damaged during loading or unloading on your watercraft. Items that benefit from this policy include personal effects such as clothing and others such as sports equipment. If you also have fishing equipment on your boat, it will be covered, helping you get compensation for repairing or replacing them.

Uninsured/Underinsured Coverage

Due to the laxity of boat insurance in numerous states, you will likely encounter multiple boaters without a policy. Insured coverage helps you pay for the ensuing costs if you suffer damage from such an operator. Underinsured will be vital when you or other passengers sustain injuries or property damage when you collide with a boater whose coverage is inadequate to pay for your damages.

If you need any of the above policies within Oklahoma, consider speaking to Alan Farley Insurance LLC today. Our Tulsa, OK agents will take you through customized policies that fit your boating needs.