Summertime is here and the weather is warming up. It’s the perfect time to take your new boat out on Lake Tenkiller, but first you need boat insurance. Here are 5 mistakes to avoid when purchasing boat insurance in Tahlequah, Oklahoma this summer.
To save some time, give us a call at 918-453-9191 or visit us at 830 S. Muskogee Ave. Tahlequah, OK 7446
Off-Season Cancellations
Right now the weather is perfect for taking your boat, but during those cold winter months going boating is the last thing on people’s mind. A lot of times boaters cancel their boating insurance policies during the off season. This isn’t a good idea for a few reasons:
- First, even though you’re not using your boat it can still susceptible to damage while in storage.
- There is still a chance something such as a fire might occur while your boat is in storage. For reasons like this, it’s important to maintain coverage during the off season.
- Some insurance companies raise premiums if there are gaps in coverage.
- This might result in you spending more money rather than saving money.
If you’re looking to save costs during the off season, there might be a few options you can explore like lowering your limits or reducing coverage types during the off season. Our team of helpful agents at Grandview Insurance is here to help you find what works best for you boat insurance needs.
Reducing Liability
Sometimes boaters will choose lower liability to have lower monthly premium costs. Having too little coverage can cause serious issues and leave you uncovered/unable to pay if something goes wrong.
Finding the right amount of liability can be tricky. That’s why our Grandview Insurance agents are here to help you find the right amount of liability that fits your needs.
Not Insuring all Boating Equipment
When you purchase boat insurance, not everything is covered. Think about all your valuable equipment that could get damaged.
Purchasing additional boat equipment coverage will ensure all your valuable equipment such as fishing equipment or watercraft equipment is covered.
There are many types of boat insurance policies. You can read more about the different types of coverage for boat insurance in Tahlequah, Oklahoma here.
Unaware of Your Boating Limits in Tahlequah
A lot of boat insurance policies have “navigational limits” meaning the insurance policy has limits on where a boat can go. If a boat is taken beyond these limits your boat might not be covered. Make sure you find insurance coverage that fits your boating needs in terms of where you want to take your boat.
There are a lot of things to consider when purchasing boat insurance. If you want to learn more about the type of coverage you need for your boat, give us a call at 918-453-9191 or come visit us at 830 S. Muskogee Ave. Tahlequah, OK 74464 so you can get connected to one of our insurance agents today.
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