Boat Insurance Features & Coverage Options

We’re Your Safe Harbor

With Tulsa Insurance Guy boat and personal watercraft insurance, you get protection for your boat on the water and on land, with coverage for you and your guests. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
We will offer personal advice about product availability in your area and how much coverage is right for you.

Standard Coverage

Every boat and personal watercraft insurance policy includes some great coverage to ensure your time on the water is worry-free and enjoyable.

Agreed Value

Some of our insurance providers offer boat and personal watercraft policies that are agreed value, no matter the age of your boat or personal watercraft. If your boat is declared a total loss after an accident or theft, you’re covered for the total value we agreed upon when you insured it. There’s no complicated depreciation formula based on the age and condition of your boat. All you pay is the deductible. If your boat or PWC is a total loss, we’ll cover everything else up to the value we agreed upon.

Fishing Poles, Water Skis, Cushions and Coolers

We have insurance providers that offer personal effects coverage, your fishing gear and other personal property is covered for up to $750. Unattached equipment like water skis, deck chairs, anchors, safety equipment and marine electronics is automatically covered for up to 10 percent of your hull value or $100, whichever is greater.

Fuel Spill and Wreckage Removal

Its important to have choices. We have several options to choose from when selecting an insurance provider. Some of our providers offer coverage for cost related to cleaning up fuel spills and removal of accident wreckage is included in every boat insurance policy. If your boat sinks or is seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive. We have providers that will also help pay costs related to having your sunken or sinking boat raised and removed when required.

On the Water Near You

No need to worry. We have insurance companies where the boat insurance covers you and your boat up to 75 miles from the U.S. coastline and into Canadian coastal or inland waters. In California, Florida and Oregon, additional coverage areas can be purchased.

Popular Coverage Options

Customize your boat and PWC insurance by choosing options that are right for you. Ask us at Tulsa Insurance Guy, “Your Local Insurance Solution” for personal advice about watercraft insurance coverage options available in your state.

On-Water Assistance

Emergency assistance for boats and personal watercraft will reimburse you for the cost of on-water towing, labor and emergency services like delivery of fuel, oil or a loaned battery if your boat is disabled while on the water is offered by some of the companies we represent.

Even More Coverage Options

Call us about more boat and PWC insurance coverage and options available where you live, including:


Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are legally held responsible. It will also help pay for wreckage removal and fuel spill cleanup costs.

Medical Payments (MedPay)

Helps pay for expenses like hospital bills and medical care that you may be held responsible to pay if you cause an accident that injures someone else. Watercraft medical payments coverage is available from $500 to $10,000 and covers you, your passengers and even your water skiers and tubers, no matter who is at fault.

Physical Damage (hyperlinks need to go to insurance terms)

Helps pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged, up to the agreed value of your watercraft. Physical damage coverage also automatically includes coverage for unattached equipment, personal effects and emergency assistance. In some states, pet coverage is automatically included with physical damage coverage and additional fishing equipment is an option when at least one watercraft on your policy includes physical damage coverage.

Uninsured/Underinsured Watercraft Bodily Injury

If you are hit by an uninsured or underinsured boater, and you are injured, this coverage helps pay for medical treatment, lost wages and other costs associated with the accident.