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2604 W Kenosha St, #143
Broken Arrow, OK 74012

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Oklahoma Insurance Blog

Do I Need Year-Round Boat Insurance?

If you’re a boat owner in Tulsa, OK, you may wonder if you need to ensure your vessel year-round. The answer depends on a few factors, such as your boat type and how often you use it.

Let’s dive deeper into the subject to help you decide whether to insure your boat year-round.

Is Boat Insurance Required in Oklahoma?

Oklahoma does not require boat owners to have insurance, but if you finance your vessel, your lender will probably require you to have a policy. Even if insurance isn’t needed, it’s still a good idea to have coverage.

If your boat is damaged or stolen, it can help you avoid financial ruin by providing liability and property damage coverage. It can also provide liability coverage if an injury occurs on your boat.

Contact Greater Tulsa Insurance Inc. to speak with a boat insurance agent.

What Kinds of Boat Insurance Coverage are Available?

There are two main types of boat insurance coverage: property damage and liability.

Property damage:

This coverage protects your boat if it’s damaged or stolen, and it can also help pay for repairs if your boat is involved in an accident.


This coverage protects you financially if you’re sued for accidentally injuring someone with your boat or if it damages someone else’s property.

Also, remember that you can tailor your policy to suit your needs. For example, you can add extra coverage for certain types of damage or purchase a policy offering higher liability limits.

What Affects the Cost of Boat Insurance?

A few factors can affect the cost of your boat insurance, such as your boat type, the size of your vessel, and where you keep it docked. Other factors impacting your rates include your age, driving record, and boating experience.

Give Us A Call

The best way to get an accurate estimate of your boat insurance costs is to contact Greater Tulsa Insurance Inc. and speak with a boat insurance agent. We can help you find the right policy in Tulsa, OK for your needs and budget.

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