Boat and ATV Insurance in Oklahoma City, OK

Owning a recreational vehicle, whether a boat or an ATV, offers endless fun and adventure—but it does come with unique risks. Having the right insurance coverage is essential to help you recover from any potential losses, whether on the water or the road.

What Is RV Insurance? 

RV insurance is a special type of coverage that may offer financial protection for owners of an ATV, motorhome, camper van or other recreational vehicles against potential risks and liabilities that may arise. While it shares some features with auto insurance, RV insurance is tailored to address the distinct requirements of each vehicle type.

What Is Boat Insurance?

Boat insurance may financially safeguard you and your vessel against various unforeseen events, including accidents, theft, vandalism and other hazards encountered on the water. The specific type and cost of coverage you require will depend on factors such as the size, horsepower, type, and value of your watercraft and the environment in which you operate it.

What Does Boat and ATV Insurance Cover?

Boat and ATV insurance policies are designed to help protect your property, passengers, and finances in the event of an accident or other covered incident. Common coverage options may include:

• Liability coverage may pay for bodily injury or property damage you cause to others while operating your vehicle or vessel.

• Collision coverage may cover damage to your boat or ATV from a crash, regardless of fault.

• Comprehensive coverage may provide protection against non-collision events such as theft, vandalism, fire, or weather-related damage.

• Uninsured/underinsured motorist or boater coverage may offer financial protection if you’re involved in an incident with someone who lacks adequate insurance.

• Medical payments coverage may cover medical expenses for you or your passengers after an accident.

• Personal property coverage may protect gear, equipment, or belongings carried on your ATV or stored on your boat.

• Towing and emergency assistance may include on-water towing or roadside help if your vehicle or vessel breaks down.

Depending on the use, you may opt for additional protection like full-time RV coverage (for motorhomes) or haul-out coverage (for boats during named storms).

Where to Get the Right Coverage

At Gomez Tax & Insurance, we offer personalized coverage recommendations that will suit your vehicle and travel needs. Contact us today to learn more and to get your boat and ATV insurance quote.