05/18/2026
Think your homeowners policy covers your boat? Most people do — until a claim proves otherwise.
Homeowners insurance only protects very small boats, and even then, the limits are usually too low to replace or repair anything significant. Once you get into larger boats, higher horsepower, or higher values, that coverage disappears fast.
A dedicated boat policy protects:
Your boat, motor, and trailer
Liability if you injure someone or damage another vessel
Theft, which is one of the most common losses
Fuel spills, towing, wreck removal, and uninsured boaters
If you’re heading out on the water this season, make sure you’re covered the right way — not relying on a policy that was never designed for boats.
👉 Read the full article:
https://www.okinsurancegroup.com/why-homeowners-coverage-doesnt-always-protect-your-watercraft/
Your Team at Oklahoma Insurance Group
📞 (405) 701‑5368
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🌐 okinsurancegroup.com