Tulsa Boat Insurance

With Tulsa boat insurance through Tulsa Insurance Guy, you get protection for your boat on the water and land, with coverage for you and your guests. Enjoy your time on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.


We partner with insurance carriers that provide coverage for both 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.

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Standard Tulsa Boat Insurance Coverage

At Tulsa Insurance Guy, we are passionate about providing our clients with Tulsa boat insurance policies that fit both their needs and their budgets. We work with you to customize a policy that caters to your unique situation. Here are some of the coverage options available through our Tulsa boat insurance program:

Personal Liability Coverage

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 Payment Coverage

Medical payment coverage helps pay for expenses such as hospital bills and medical care that you may be held responsible to pay if you cause an accident that injures someone else. Watercraft medical payment 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 Coverage

This type of Tulsa boat insurance coverage helps to pay 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 Coverage

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. 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 for Your Boat

Many of our insurance providers offer boat and personal watercraft policies that are based upon an 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. If your boat is a total loss, you will cover the deductible and we’ll cover everything else up to the value we agreed upon.

Fishing Poles, Water Skis, Cushions, and Coolers

We have insurance carriers that offer personal effects coverage. With this additional coverage, your fishing gear and other personal property is covered for up to $750. Unattached equipment such as water skis, deck chairs, anchors, safety equipment, and marine electronics are automatically covered for up to 10% of your hull value or $100, whichever is greater.

Fuel Spill and Wreckage Removal

Many of our Tulsa boat insurance providers offer coverage for costs related to cleaning up fuel spills. Removal of accident wreckage is included in every Tulsa 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, a task that 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-Water Emergency 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.

Ways to Save On a Tulsa Boat Insurance Policy

Insuring your boat costs much less than you may think. An insurance policy for an average boat costs about a dollar a day. The Tulsa Insurance Guy team is always looking to provide our clients with ways to save on their Tulsa boat insurance policy while still receiving the coverage they deserve.

It Pays to Be a Safe Boater

Many of our Tulsa boat insurance carriers offer a discount of up to 15% on policy when you complete a boating safety course. You can easily find a class near you through the Coast Guard Auxiliary or U.S. Power Squadron.


We also partner with insurance companies that offer up to 5% in savings when you complete a state-administered course approved by the National Association of State Boating Law Administrators. Some states require young boaters under the age of 16 to complete an approved safety course before operating a boat.

Save on Diesel

Is your boat powered by an inboard diesel engine? Some of the Tulsa boat insurance carriers with which we partner offer a discount of up to 10% for boats powered by an inboard diesel engine.

Bundle and Save

We love providing our clients with insurance solutions that are both streamlined and affordable. Many of our carriers offer discounts when you bundled your auto, motorcycle, home, condo, renters, or RV policy with your Tulsa boat insurance policy!

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Tulsa Boat Insurance FAQs

At Tulsa Insurance Guy, we are passionate about educating our clients, allowing them to make informed decisions about their coverage. Here are answers to some of our most frequently asked questions regarding Tulsa boat insurance:

What types of watercraft do you insure?

At Tulsa Insurance Guy, we know all about insuring your bass or fishing boat, your cabin cruiser, ski boat, sailboat, or pontoon. We’ll also insure your Jet Ski®, WaveRunner®, or other personal watercraft. If it runs on the water, chances are we can cover it!

How is the agreed value of my boat determined?

The agreed value of your boat is determined by consulting a local dealer, BUC guide, ABOS Blue Book, or NADA guide. If your boat is less than two years old, a bill of sale may be used. Any permanently attached equipment such as ship-to-shore radios, depth finders, GPS systems, fish finders, radar, and sonar systems is included in the boat’s value. It is important to make sure your coverage amount takes these additions into account.


Websites such as IBoats, Boats.com, and Boat Trader can help you to get a sense of your boat’s value. Ask yourself the question “If I were in the market to buy my boat today, how much would I have to pay for it?” Your answer will give you a good sense of the agreed value.

Why do I need Tulsa boat insurance?

Most states do not require you to have boat insurance. However, boat insurance offers protection from theft and liability in case of an accident. If you get a loan to pay for your boat, your lender will most likely require you to carry boat insurance. If you have homeowners insurance, your policy may provide only limited coverage for boats. It likely will not cover injuries or accidents while you’re on the water.


Many types of boats are excluded from coverage on your homeowners policy. To make sure you’re covered for boat injuries such as water skiing accidents, theft, and damage, you’ll need Tulsa boat insurance.

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