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Einstein Insurance

110 S Bancroft St, Suite A
Portland, OR 97239

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Oregon Boat/watercraft Insurance Coverage

Boat/watercraft Insurance in Oregon

While boating in Oregon is fascinating, it does come with risks. A boating accident can cause bodily injury and property damage that could dent your pocket. That said, it’s better to be safe than sorry by investing in boat insurance from Einstein Insurance in Portland, OR.

Boat Insurance Coverages

If you are looking for boat insurance in Oregon, you need to understand the different types of coverages. Here are some boat insurance coverages to consider.

Physical damage coverage

Since your boat is a significant investment, you need to protect it from perils like theft, fire, accidents, and so on. When you purchase comprehensive and collision coverages, your insurer compensates you when a covered peril damages or causes loss to your boat.

Liability coverage

This coverage kicks in when your boat causes physical damage or bodily injury to others. And remember that damage can be caused due to direct contact with your vessel or situations happening to your vessel, for instance, large wakes. But either way, boat insurance comes to your rescue by settling liability claims, including legal suits.

Medical payments coverage

Following a boat accident, you and your passengers may sustain injuries that are costly to treat. Thankfully, if you have boat insurance, you don’t have to sweat over medical expenses.

Uninsured watercraft insurance

Since boat insurance is voluntary in Oregon, you may encounter many uninsured boaters. Regrettably, boaters without insurance leave many uncovered expenses for accidents they cause. However, you don’t need to worry about such when you have uninsured watercraft coverage.

Boat Insurance Exclusions

While boat insurance covers you against many perils, it has exclusions. Here are common boat insurance exclusions.

  • Wear and tear
  • Intentional damage
  • Faulty machinery
  • Damage by aquatic life
  • Sporting events
  • Damage due to pest and mold infestation
  • Damage due to improper storage and transportation

Would you like to learn more about boat insurance? Would you like to purchase boat insurance in Portland, OR? Please consider Einstein Insurance for all your boat insurance needs.

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Servicing States

  • Oregon
  • Washington
  • Arizona

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