If you own an RV, a boat, or an ATV in Oklahoma, it’s important to have the right insurance for it. Otherwise, you could be held liable if you’re at fault in an accident involving one of these vehicles, even if the state doesn’t require insurance. And your property wouldn’t be protected either, whether it needs repairs or replacement.

At J. K. Meadors & Co, we have insurance for RVs, boats, and ATVs, so you’re covered if the unexpected happens.

RV Insurance

Unlike with boats and ATVs, RVs in Oklahoma do require insurance. The minimum liability requirement is:

• $25,000 bodily injury protection per person
• $50,000 per accident
• $25,000 property damage protection

However, we encourage RV owners to increase their liability coverage and get full coverage for collision and comprehensive as well. This protects you if you’re at fault in an accident and the RV is damaged, and it covers you in cases of theft, vandalism, and most storm damage. Furthermore, we suggest insuring your personal belongings inside the RV, which may include valuables like electronics or jewelry.

Insurance for an RV can be complicated, depending on where you use it and whether it becomes a second home for you. Other situations we typically ask about include if pets are left in it while you’re traveling, if your RV will be towing anything, and where your RV is garaged when not in use.

Boat Insurance

Boat insurance can be even more complex than RV insurance, thanks to the many kinds of insurance available and the way you intend to use your vessel. Some types of boat coverage include:

• Liability coverage for other people and their property
• Medical payments for you and your passengers
• Physical damage coverage, including the trailer
• Uninsured/underinsured watercraft bodily injury
• Fuel spill liability and wreckage removal
• Personal effects coverage for clothing, electronics, sporting gear, etc.
• Unattached equipment coverage for items like oars, lifesaving equipment, etc.
• Emergency assistance for a tow, gas, or new battery in case you’re stranded

Our agents are happy to help you pick the elements of coverage you need to protect yourself and your investment in your boat.

ATV Insurance

We encourage ATV owners to insure their four-wheelers like a car. Although insurance isn’t mandatory in Oklahoma, you could still be on the line financially if you injure someone or damage their property with your ATV.

Most ATV insurance includes multiple components such as the following, so you’ll be fully covered:

• Liability to protect other people and their property
• Damage from uninsured drivers of other vehicles
• Theft
• Vandalism
• Damage or loss due to fire and most storms or natural disasters
• Fuel spills and accident cleanup

You can easily add roadside assistance for emergencies, plus repair or replacement of your ATV if you are at fault in an accident and there is no other party paying. Some ATV drivers also add coverage for themselves and passengers in case of injuries requiring medical care.

To save money on your ATV insurance, you can opt for a higher deductible, make sure your driving record is clean, garage the vehicle in a safe place, take ATV safety classes, and bundle your ATV insurance with other coverage.

Independent Agents at Your Service

Whether you have one fun vehicle to insure or all three, our independent agents at J. K. Meadors & Co are here to assist you. You will love the personalized service that comes with an independent agency. And we have a wide array of insurance products for you – more than you’ll find with a single large insurance carrier.

Call us at 405-377-0000 or start a quote today online and let us know how we can help. You’ll enjoy your RV, boat, or ATV more knowing it’s fully protected.

Get a Free RV Boat ATV Insurance Quote