Watercraft & Boat Insurance in Roland, OK
Boat ownership in Roland, OK, offers relaxation and opportunities for adventure on the water. However, this pleasure comes with risks like accidents, theft and natural disasters, making boat insurance essential. The experienced agents at The Kimberlee Agency are here to help you navigate the complexities of boat insurance so you can enjoy the water without worry.
What Does Boat Insurance Cover? 
Boat insurance can include a range of protections to ensure you and your vessel are safeguarded. The following are some common coverages:
- Liability coverage—This can protect you against legal liabilities for injuries or damage caused to others while operating your boat. It can cover medical expenses, property damage and legal fees.
- Collision coverage—This may cover repair or replacement costs if your boat is damaged or destroyed by a collision.
- Comprehensive coverage—This can compensate you for losses caused by fires, theft, vandalism or natural disasters.
- Personal effects coverage—This may assist with losses involving belongings on your boat, such as scuba gear and fishing equipment.
- Uninsured/underinsured boater protection—This can protect you and your passengers if you’re involved in an accident with an at-fault boater who lacks sufficient insurance.
- Medical payments—This may help pay for medical expenses if you or your passengers are injured while on your boat, regardless of fault. It can cover emergency medical treatment, hospital stays and rehabilitation services.
- On-water towing—This coverage can help cover towing costs and emergency assistance if your boat breaks down on the water.
- Fuel spill liability and wreckage removal—This can help with the cleanup costs if your boat leaks oil or fuel into the water or sinks. You are typically required by law to carry out these tasks.
How Does My Policy Work?
In many ways, boat insurance may work similarly to auto insurance. You pay a premium to your insurer, and in return, they provide coverage for specified risks. In the event of an approved claim, you may need to pay a deductible before the insurance covers the remaining costs. Policies can be customized with additional coverages such as towing, fuel spill liability and personal effects coverage.
Why Choose The Kimberlee Agency?
The Kimberlee Agency is here to help you understand boat insurance. With a strong knowledge of local needs and a commitment to personalized service, we’ll help you find the right coverage at the best price. Contact us today to request a quote or learn more.