Now that summer is over, it's time to pull the boat off the lake and prepare for winter. As you prepare your boat for winter, take time to make sure you have the right boat & watercraft insurance protection.
Coverage - if you have a small boat, check with us to see if you might have coverage under your homeowners policy. Larger boats and personal watercraft will need separate boat insurance policies with different options on each.
Policy - do you need boat insurance even if your boat is not in the water? It’s usually best to keep your watercraft insurance policy active year-round. Keep in mind your boat may be damaged from fire, weather or theft even if it’s not in the water. If you have questions about seasonal boat insurance coverages & options in Oklahoma, just give us a call.
And while you're thinking about insurance, consider your current watercraft coverage. It might be time to move to cash-value coverage instead of agreed value if your boat is older. Make sure you have enough optional coverage so your expensive fishing gear isn't at risk. You might also want to consider uninsured boater coverage and a personal umbrella policy, which provide more liability protection than a standard watercraft policy.
And remember, you might be able to save money on your insurance by taking a boating-safety course, increasing your deductible or bundling your policies with one company. Contact All American Insurance today to evaluate your boat insurance needs today.