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!
