Jon boats are a relatively utilitarian type of vessel that usually measures under 20 feet long. They often have outboard motors and flat hulls. Depending on size, jon boats generally can carry from one to eight people. Among other purposes, some individuals use them for marina maintenance or fishing. Jon boat owners may wonder if they need to sign up for boat/watercraft insurance before boating in the Portland, OR area.

Existing Insurance

You might already have auto or home insurance. Unfortunately, these policies generally provide inadequate coverage for this type of watercraft. Many home insurers limit claims to significantly less than the value of the average jon boat or have restrictions that exclude these vessels. Auto insurance might protect a trailer, especially if you add specific trailer coverage, but it won’t insure the boat itself. Consequently, it’s wise to consider obtaining a separate boat/watercraft insurance policy.

Other Considerations

It’s particularly important to have this type of coverage if your jon boat was purchased with a loan that requires insurance. Likewise, most leasing companies and certain Oregon marinas also expect boaters to insure their vessels. If you rent a boat, separate insurance may be necessary. This is especially true when renting watercraft from individuals rather than businesses (such as a marina or campground). A knowledgeable insurance agent can help you determine if and when coverage is needed.

Einstein Insurance offers dependable coverage for boats, personal watercraft and even floating homes in the Portland OR area. Turn to our local independent agency to save time by comparing policies from several major insurers in one place. Our experts know how to recommend the most suitable coverage for your specific needs, boat type and lifestyle. To get started, give us a call at Einstein Insurance and request a free quote or more information.