Planning a Day on the Water? Don’t Forget to Check Your Boat & Jet Ski Insurance

Oklahoma boat owners looking to make the most of boating season can benefit from reviewing their insurance coverage. The Kimberlee Agency is here to help you find coverage options that match your lifestyle and needs.

Why Watercraft Insurance Matters in Oklahoma

Boat owners in the Sooner State are not required to carry boat insurance by law, but operating without it can leave you exposed to high costs. Accidents on the water can happen quickly, and property damage or medical expenses can add up. Reviewing your current coverage can help identify any gaps. Many lenders and marinas may mandate coverage.

Key Coverage Options to Consider

When reviewing your boat or Jet Ski coverage, it can be helpful to understand the types of coverage available:

• Liability coverage may help cover costs if you are found responsible for injuries or property damage to others while operating your vessel.
• Physical damage coverage may pay to repair or replace your boat if it is damaged by a covered event, such as a collision, storm or vandalism.
• Uninsured/underinsured boater coverage may apply if you are in an accident with an at-fault boater who carries little or no insurance.
• Personal effects coverage may cover certain items on board, such as electronics or fishing gear, depending on your policy.
• Emergency assistance coverage can help with towing, fuel delivery or other situations that may arise on the water.

Factors That May Shape Your Coverage

Insurance needs can vary depending on the type of watercraft you own. The vessel’s size, age and horsepower may influence coverage requirements, and such details, as well as storage arrangements and how the watercraft is used on the water, can also affect overall costs.

We’re Here to Help

Our team can guide you towards the right insurance solutions. Contact The Kimberlee Agency today to request a no-obligation quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.